vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been working towar d Public Service Loan Forgiveness for 8 years, paying under an income driven plan. I called   Fedloan Servicing on  XXXX / XXXX /  XXXX   to ask why my monthly payment had changed. The person I spoke to suggested I change my repayment plan to the standard 10 year repayment plan to save on monthly payments. I asked repeatedly if this would affect my  PSLF  eligibility. They said i would still be eligible for forgiveness in 2 years. I applied. I called back 10 days later to check status and ask someone else if eligibility would be affected. They said I should still be eligible and that the request was pending. When the request was approved, fedloan servicing sent me the repayment terms. The terms ere standard payment for a 20 year plan. Only the 10 year plan is acceptable for forgiveness eligibility. I called. The operator noted that when i consolidated, I was put on a 30 year repayment term and could not deviate. She told me I had to now reapply for an income driven plan. My request is still pending. This inaccurate information from the servicer will result in a delay of my forgiveness.  Imagine  if I did not understand the program and made payments under the new plan, only to be denied eligibility for forgiveness in 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To Whom  it May Concern, O n or about  XXXX   XXXX ,  XXXX , I consolidated my debt and applied for a home equity line of credit with Bank of America to pay it off. The original documents show that the line of credit amount applies for as a revolving credit arrangement was {$65000.00} which would be advanced to me at my request. So far the amounts requested as of  XXXX   XXXX ,  XXXX  total {$5200.00}. Payments were being automatically deducted from my checking account (  XXXX   ) to  Bank of America each month to satisfy these amounts per there instructions. On or before  XXXX   XXXX ,  XXXX , I contacted Bank of America to inquire about the terms of the line of credit and the payments made against it and was notified that the loan amount had not yet been satisfied. It was brought to my attention by the Bank of America representative that the line of credit amount was instead increased by approximately {$59000.00} on  XXXX   XXXX ,  XXXX  and automatic withdrawals would continue until the full line of credit was satisfied. At that time, I notified  XXXX  to terminate the payments to Bank of America Bank and decided to make check payments to Bank of America until I could determine the extent of the error with the line credit amount from bank.   I have contacted numerous representatives at Bank of America including the  Executive Management team of the Bank of America Fraud Department (   XXXX   XXXX ,  XXXX  ),  XXXX   XXXX ,  Manager, Home Equity Fulfillment  Department and local  XXXX  Branch Manager,  XXXX   XXXX   (   XXXX   XXXX ,  XXXX  ) on multiple occasions to request copies of any documentation confirming my transaction for advance of the additional loan amount of approximately, {$59000.00} which I contend is an error. So far, Bank of America has refused to provide the requested documentation and instead repeatedly sends me all the payment and account transaction history statement of the payments which where automatically deducted from my authorized  XXXX  checking account and the subsequent check payments I opted to send in lieu of the latter automatic payments.

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 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of   XXXX   XXXX   XXXX    . In the letter, I wrote exactly :  " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after  XXXX    months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Clarity Services
State: NJ

Complaint narrative:
Placed a dispute request with Clarity Services in reference to inaccurate personal information and   unknown account ( s ) on my report.
Waiting for response from Clarity Services!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  has not provided proof of this debt they reported to Equifax and  XXXX  since   XXXX  . I have asked both agencies to remove this debt or provide proof of the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked Transunion to verify a debt from   XXXX   XXXX   XXXX    who has already informed me that they do n't have a signed contract to authenticate this debt but it keeps coming back as verfied after numerous attempts to have account verified. I am constantly told that they have done what is required of their company. Even after explaining to them that I have spoken with the original creditor and informing them that they did not have any supporting documentation. Had to do a phone verification with   XXXX   to have this information removed but they removed it. I requested to have this information verified by signed copy of a contract. They have been verifying by name, DOB, SS #, and address. Which is all correct but where is the contract showing I agreed to the term of the agreement that they sent without a signature acknowledging I agree to terms. If Transunion has n't been given a copy of a signed agreement or contract between myself and the  XXXX   XXXX  Bank reporting agency how can this account be authenticated? I have asked on numerous accounts to have this authenticated by more the just my DOB, SS #, Address, Telephone number. I have asked specifically to have an original or copy of a signed contract or agreement be requested. I have been told by the senior level employee that they are not required to get this info and that they have met their requirement to validate. Even though I am telling them more info is needed and that I am disputing the legality of this 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 explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Greene & Cooper Collections LLC
State: GA

Complaint narrative:
I was served a lawsuit from  Greene & Cooper, LLP   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on   XXXX    The lawsuit was filed on  X/XX/2017   . I am being sued on behalf of  XXXX   XXXX ,  XXXX  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm , Gre  ene & Cooper, LLP. T his account was disputed directly with the  Original Credit  or,  and  XXXX   XXXX   XXXX . Which I am not sure is even the same company as  XXXX   XXXX . I have never been contacted by  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The aforementioned credit collection agency representing whomever you r Client is  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Diversified Consultants  does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was served a lawsuit from  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on  XXXX / XXXX /  XXXX  . The lawsuit was filed on  XXXX / XXXX /  XXXX  . I am being sued on behalf of  Midland Funding, LLC  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm,  XXXX   XXXX   XXXX , LLP. This account was disputed directly with the  Original Creditor, and Midland Credit Management. Which I am not sure is even the same company as Midland Funding. I have never been contacted by Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: WV

Complaint narrative:
I have been contacted by a collection agenc y, Diversified Consultants, in   representation of  XXXX  about a bill that they say I owe on account that was closed in  XXXX   XXXX . This account was closed with the amount of  XXXX . due. Which I was willing to pay, however I received a bill from the first collections agency "   XXXX   XXXX   '' on  XXXX / XXXX / XXXX  for the amount of {$420.00}, which is double what the service bill was actually for. Then on  XXXX / XXXX / XXXX  I receive a new bill from  Diversified Consultants telling me I owe {$810.00} which is now almost 4 times the a ctual service amount due. I refuse to pay this balance because it is incorrectly being billed. I have contacted Diversified via letter and they have responded back with an invalid " made up '' final copy of my  XXXX   XXXX  because this is  one I 've never seen nor could I imagine it going up when the account was closed. I have attached all documents including a check stub from the FTC about these same collectors a nd their invalid information regarding  XXXX  where I was paid a settlement amount. I refuse to pay this and deal with this so I am reporting them to you. I would like them to remove this account from my credit report and also advise them whatever " records '' they say they have blocking me from ever getting a  XXXX  phone account again, relinquished. I also want a formal letter from them responding that this has been completed. All verification documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to   XXXX   XXXX   XXXX   that was paid directly to   XXXX   XXXX   XXXX  . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to   XXXX   XXXX   XXXX  .  Franklin Collection  is still reporting this collection to all  XXXX  bureaus, although they have now changed the balance to {$0.00} with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: OH

Complaint narrative:
I have a a unverified account from PLAZA SERVICES #  XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin  g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A  n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2017-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
Ally Investment purc hased  XXXX , an online investment company. I am unable to reach  Ally Investment  by phone regarding my account. I called the telephone number provided on the web-site (  XXXX   )  multiple times during the day, and was on hold for hours. I also called Ally Bank general telephone line (  XXXX   XXXX  ) and spoke to a supervisor, who informed me that he was unable to reach the investment team, using the direct telephone number via the bank telephone system.   In addition, I sent  Ally Investment  an e-mail (  XXXX  XXXX  XXXX  ), complaining that I am unable to reach their telephone customer service. They replied by instructing me to restart my browser. There is an urgent issue that can not be completed on line, and requires a telephone customer service assistant, but I am unable to reach this financial institution. This  may  cause me financial lose.

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 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Have tried to close my Regions bank account for over a week. Called again on Saturday  XXXX  and was told it was closed. I check today  XXXX  and voila it 's magically opened again and I was charged another {$8.00} service fee. Called them today and was told that the fee that posted yesterday   XXXX   automatically opened the account back up! I ca n't close because the fee is pending. This is absolutely ridiculous!

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 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In  XXXX   XXXX  I applied and was approved for a  XXXX   XXXX   MasterCard Credit Card Account administered by Barclays Bank Delaware ( Barclaycard ).  I was charged and paid a {$99.00} annual fee for the card and its benefits which include a 50 % savings on inflight purchases. Those savings are described in the  Business Card Agreement as : " Cardmembers in good standing will qualify for a 50 % savings on eligible inflight purchases. Eligible purchases include the in flight purchase of cocktails, beer, wine, meals, and  XXXX  movies ( not  XXXX  ) on  XXXX -operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement cred it 4-6 wee ks after the transaction is posted to the cardmember 's Account. '' [ sic ] My account is in good standing ( I do not carry a balance but instead pay my bill in full every month ).     I made two qualifying onboard purchases with this card. Those purchases appear on the statement that closed on  XXXX   XXXX ,  XXXX , with the description "  XXXX  BUY ON BOARD. '' Those purchases were billed in full and no credit was provided. I paid the bill in full.     More th an 6 weeks have passed since those transactions were posted to my account and I still have  not received a statement credit.     I have attempted to resolve this issue within the  XXXX   Business Card cu stomer service system on numerous occasions. I have called the number on the back of my card and sent many messages through the cardmember website. I have not received either a resolution or an explanation. The telephone customer service representatives are unable to explain why I have not received the statement credit, and the only response I receive to the online messages is to call the customer service representatives.

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 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been attempting to get added a s Power of Attorney to my father 's Capital One credit card accounts. Please rea d the following letter which describes everything.     Dear  Capital One Custom er Care Team : In your letter dated  XXXX   XXXX , you indicated that Capital  One  will not add me as Power of Attorney ( POA ) to my father 's account ending in  XXXX . My father suffers from   XXXX   XXXX    XXXX . In your  XXXX   XXXX  letter you requested my SSN/tax ID and total annual income. I responded by requesting a copy of  Capital Ones written policy regarding the privacy of Power of Attorneys. I also explained that attempts made by Capital One via email or phone to contact my fath er directly would be ill-advised as he is suffering from the recent, unexpected loss of his only son.     I have still not received a copy of any written policy regarding the protection of POAs privacy. And, on  XXXX   XXXX , a  Capital One representa tive called and attempted to speak with my father.     Now, for the SAME account ending in  XXXX , we have received ANOTHER letter dated  XXXX   XXXX  with a DIFFERENT case number, directing us to send the paperwork you requested the first time around all over again.     Please check your records. Add me  as POA to my father 's Capital One ac counts so that I can help him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
unbeknownst to me i was paying  XXXX   XXXX  instead of capital one. The balance was  XXXX  dollars. Once i realized this mistake I immediately paid it in full. There was no intent or malice in our part not to make this payment on time, as we are in the process of securing a construction loan. It would be foolish and reckless to do so. The item in question was for  XXXX   2017 , billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Reference prior Case Number  XXXX  Submitted  XXXX   XXXX   Freedom  Mortgage Responded  XXXX   XXXX ,  XXXX  Freedom Mortgage admitted its error. Submitted information to the credit reporting bureaus in an attempt to undo the damage that it had done. Refunded the wrongfully collected late charges and claimed to have corrected the error, which began in  XXXX   XXXX .     Here we are, nearly a year later. The error that was supposed to be corrected is n't. Freedom mortgage continues to charge me late fees, report false and defamatory information regarding my credit to the bureaus, and CONSTANTLY CALLS ME with people who have no clue what 's going on and want to start the conversation at squar e one . I will be filing a lawsuit.

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 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  has not provided proof of this debt they reported to  XXXX  and Transunion since  2015 . I have asked both agencies to remove this debt or provide proof of the actual debt.

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