vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has an incorrect name and incorrect addresses listed on my credit report and thy need to update my current address.

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: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint with Transunion. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from transunion. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.

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: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my job XX/XX/2017 and fell behind on my credit obligations. As my creditors called i would explain the situation. All except for Capital One stopped calling. 
I have recived over XXXX calls robo calls from Capital One beginning at XXXX. I have ask them to stop calling on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
For approximately the last 10 years, I have been paying on a private student loan through XXXXNavient. I was the co-signer, my son decided not to pay the debt. The problem is from time to time I have tried to get a sheet to reflect the payments I 've made and current balance. To this day, I still have no idea what I owe. It seems like I 'm a cash cow for Navient with no end in sight. The company has refused to provide me with this information. Early on when this loan went into default I was pushed into forebearance option, informing me that my payment could be missed for 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity Bank purposely uses an " unknown '' number to harass people. They call starting XXXX, and they call nonstop throughout the day. I can not block them because they use a private number deliberately. 
They also try not to identify themselves on the phone so as to " trick '' the customer into identifying themselves first.Their business practices are harassing and unethical, and they need to be put out of business. 
I do not owe the money they are calling me about, and they have not even contacted me by mail so that I can properly dispute the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a collection letter from General Revenue Corporation dated XX/XX/XXXX, I sent a dispute letter via. registered mail on XX/XX/XXXX. They in turn sent me some of the information I requested, notably the signed contract on XX/XX/XXXX. I then sent them a certified letter finding the debt invalid per paragraph XXXX of the contract ( see documents ). I next received a " FINAL '' collection letter dated XX/XX/XXXX, since my letters and phone calls have gone unanswered I have no other choice than to file a complaint. I have included the " FINAL '' letter from GRC, the contract page with the paragraph and law ( 42 CFR 57.211 ), and the disability letter from the department of education, as well as the return receipt finding the debt invalid.

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: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Bank charged me an overdraft fee and they charged me over and over again before our agreed upon date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Two checks I sent were cashed but not posted to the account. I do not know what they did with the money. I filed a complaint with the Office of Consumer Protection of XXXX County, Maryland ( XXXX ). They have all the information. and sent 2 letters to Chase but got no response - I had also sent two letters but no response except for more statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )

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 — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a bankruptcy listed on my report that was previously dismissed due to mismanagement by XXXX. The case was not well handled.

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: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
We had a {$39.00} credit from a credit card company ( Citi Bank ) that was allegedly refunded by check on XX/XX/2017 that never reached us. 
We have called numerous times, talking to numerous agents and supervisors ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do

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: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a credit card with Bank Of America, it was in delinquent which the company worked with me to pay the credit card and all fees in full. The agreement was to pay Bank of American in installments once paid the negative trade line will be removed from my credit report. I paid it off XX/XX/XXXX. Bank of America change Status to Closed Never remove the Negative trade line. Ive called Bank of America XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX every time I ask them to remove the negative trade line every department has stated its already been Removed and updated. That 's not true I just pulled my credit report on XX/XX/XXXX and its still effecting my credit. I just wish Bank of American hold up to what I was promised which was to delete the Trade Line.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: IL

Complaint narrative:
I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. 
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. 
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. 
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. 
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.

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: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have repeatedly requested verification for the debt that they are trying to collect in the amount of {$1300.00}. I have sent 3 certified letters with return receipts requesting this information and to date have had nothing showing they have the legal right to ask for this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Three days prior to closing on a real estate purchase, I received an email from whom appeared to be my closing coordinator informing me that there had been a change to the closing instruction. In the email, the scammer advised me to send the closing money to a bank account at XXXX. After verifying a few details over the email, I did wire the money from my own account at Bank of America. A couple of hours later and I realized this had been a mistake. I immediately contacted Bank of America and issued a recall request. I then contacted local police and filed a police report. I also called XXXX fraud hotline and reported this scam. The representative at XXXX suggested me to stop by a local XXXX branch office. I did and worked with a branch manager who immediately put the suspected account on a hard hold. After a couple of days following up with both Bank of America and XXXX bank, I now know that XXXX has a hold on the money but a portion had been withdrawn. Additionally, XXXX was willing to release the money back to Bank of America but it requires a " Hold Harmless Agreement '' that is signed by the VP of the Wire Department at Bank of America. However a Bank of America representative has refused to do so citing that this would transfer the legal liability from XXXX to Bank of America. 
I 'd like to file the complaint against XXXX bank for not able to accept a " Hold Harmless Agreement '' from me or not able to release the money back to me directly despite that I have proof beyond of doubts that the money was mistakenly transferred from my account at Bank of America.

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: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to 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 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I received a car loan from Santander for a little over $ {$10000.00} on XX/XX/XXXX, 2014. After the second year I decided to refinance because I noticed my loan amount would not change. Before refinancing I had paid Santander {$7000.00} and only {$2000.00} went towards the principle on my loan. Before contacting an attorney I would like offer Santander the chance to explain how this is possible and how it is legal to charge a customer {$5000.00} in fees which is half the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
I called offering a settlement amount, and while my offer was turned down, I was also informed that federal law prohibits them from accepting less than 50 % of the total amount to be considered as full satisfaction of the debt. As I knew this was not true, I identified it as a lie, after which the representative refused to allow me to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A bank account at Citi Bank is being used for wire fraud scam and Citi Bank does not act to shut down the individual. I recently got a message from XXXX saying they were not able to recover my money because Citi Bank responded that XXXX XXXX XXXX has taken the money. Citi Bank did not act on my request for a recall quickly enough. Citi Bank did not place a hold on the money reason for it being gone. Recall refs # XXXX, Wire transfer transaction number XXXX. The wire transfer was done from XXXX to Citi Bank.

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