vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.

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 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Repeat phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I entered into a service contract with XXXX wherein, XXXX agreed to provide me internet, telephone, and cable services. In return, I agreed to pay XXXX the agreed upon fee for aforesaid services rendered. XXXX has asserted that I owe arrears of {$590.00} for services rendered and has retained the services of McCarthy, Burgess and Wolff to collect the aforesaid arrears. I have disputed these arrears and in support thereof aver the following : 1. After my service contract with XXXX expired ; I formally and voluntarily terminated my XXXX internet, telephone, and cable service on XX/XX/XXXX ; telephonically, as well as, in person when I hand delivered XXXX 's XXXX Router, XXXX ( XXXX ) XXXX cable boxes, cords, and remote controls to my local XXXX at : XXXX XXXX, PA XXXX ; 2. The returned equipment is itemized as follows : 1 ) XXXX Router : XXXX : XXXX ; 2 ) XXXX Cable BOX : XXXX XXXX : XXXX XXXX : XXXX ; 3 ) XXXX Cable Box : XXXX XXXX ; 4 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 5 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 6 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; and, 7 ) XXXX Cable Box : XXXX : XXXX ; 3. XXXX services are prorated and billed one month in advance. I paid my final bill of {$250.00} on XX/XX/XXXX.During the year preceding my XXXX service termination ; I made XXXX payments between XX/XX/XXXX and XX/XX/XXXX totaling {$3400.00} ; 4. After my contract expiration, service termination, and recovering the aforesaid XXXX issued equipment ; I subsequently received email notices dated XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX seeking payments of {$450.00}, {$660.00} and {$450.00} respectively and threatening service suspension. I timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 5. I received a bill dated XX/XX/XXXX ; from XXXX advising that my account had been disconnected effective XXXX XXXX, XXXX ; and seeking payment of {$590.00} for services rendered between XX/XX/XXXX and XX/XX/XXXX. I once again, timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 6. XXXX continued to charge me for services that I did not receive and after I returned all the issued XXXX equipment and after I entered into a new internet, telephone, and cable service contract with XXXX on XXXX ; and, 7. Finally, I have credibly clarified the status of my former XXXX account and that I have attempted to notify XXXX as well as McCarthy, Burgess and Wolff of these erroneous records in good faith with no material or substantial response or resolution by XXXX or McCarthy, Burgess and Wolff in this regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
During the process of selling a property XX/XX/XXXX, I was told by the title company that they were unable to get a clear title because a day before the scheduled closing XXXX claimed there was a mortgage default and would not clear the title. As a result {$60000.00} is being held in escrow from the sales proceeds. The mortgage on the property was paid in full in 2003. I have proof in the form of cancelled checks, bank statements, XXXX forms from the mortgage company which correspond to my tax returns, a payoff balance letter form the mortgage company, and a congratulatory letter from the mortgage company when I sent final payment. The original mortgage was with GMAC Mortgage the final mortgage payment was made to them. Due to the banking meltdown, this issue has ended up with XXXX. Lawyers at the title company I 'm working with have contacted attorneys at XXXX and XXXX XXXX, a vice-president at XXXX. They been unsuccessful in obtaining from XXXX what they are claiming the actual default is or any proof that there even is a default. I have called XXXX XXXX VP at XXXX numerous times to only receive voice mail. I have sent numerous emails with the same result. I also went to XXXX in person and attempted to speak personally with XXXX XXXX and deliver supporting documents as listed above. I was n't even able to gain access beyond the lobby of the building. In addition, no one would accept the packet of documentation I had prepared for XXXX XXXX. 
It is now being suggested to me, by the title company, that in order to release the escrow funds I may need to buy a bond for an additional {$900.00}. This mortgage was paid in full thirteen years ago and I have the proof. To pay more now seems ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Homeowners XXXX XXXX and XXXX XXXX obtained a HAMP in XX/XX/XXXX but believe that the loan servicer ( now Nationstar ) erroneously failed to remove the $ XXXX monthly private mortgage insurance. 

The mortgage insurance makes their loan unaffordable, and when combined with some other challenges, caused them to fall behind in XX/XX/XXXX. XXXX XXXX and XXXX XXXX hired XXXX XXXX, XXXX in XX/XX/XXXX to help them resolve the arrears. On XX/XX/XXXX, Nationstar guaranteed that it would remove the {$250.00} cost of the mortgage insurance if the homeowners reinstated by XX/XX/XXXX The homeowners timely reinstated but Nationstar now refuses to honor its promise to remove the private mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: OH

Complaint narrative:
I have XXXX loans handled by Navient. When I submitted an income driven repayment application in XX/XX/XXXX, they acknowledged that they had received it. ( XXXX, which has another loan of mine, acknowledged it, too, and I had not issues with them. ) However, they continued to bill me for a huge amount of money saying that the paperwork was being " processed. '' Eventually, I was required to submit additional information that I had already submitted with a subsequent delay until a time came when I just stayed on the phone with them for over an hour making them figure it out. They apologized and said that I owed them nothing. However, they apparently were accruing late fees that they did n't tell me about and now are saying that I Have to pay more than {$300.00} in late fees, some of which they claim were on my account from XX/XX/XXXX when I was in XXXX school full time and had a deferral. They will not help me on the phone other than to say they will " review '' it. They are charging me more than double what XXXX is on my current income driven payment plan, even though my loan amount is half at Navient. I feel like they are purposefully engaging in unethical activity in order to try to get more money out of me than is fair. I am perfectly willing to pay the money I owe and do n't even care that my monthly payment is higher at Navient than at XXXX. What I care about is that they are unfairly penalizing me for issues that are their fault not mine. They have been uniformly difficult to deal with and have had " hidden costs '' that feel like they are trying to trick me into paying more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
We obtained oven repairs from XXXX. The repairman quoted us a price that included a 20 % discount on the service that resulted from the purchase of a service contract. We paid for the parts on the original visit. When the parts came in a service man came out and finished the install. At that time the service man was unable to figure out why the discount was n't applying and took the check for the balance on the account based on our original receipt. I contacted XXXX many times over the next several months and in XX/XX/XXXX spoke with a representative that understood that the twenty percent discount had not been applied. He informed me that he would send over a letter to the collection department so that they would n't continue to bill us. I continued to receive bills and have mailed back all the receipts and information. XXXX home service had no contact information to resolve the billing dispute other than a mailing address to which i sent all information regarding the matter without getting verification of resolution.

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 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
I signed a contract in XXXX/2011 for the purchase of vehicle in the amount of XXXX with the term of 72 months with Santander Consumer. I have paid 62 months and only have 10 more payments of XXXX totaling XXXX the finance fee was already added to the contract. My vehicle was totaled and called santader for a payoff quote they stated it is still XXXX the man I spoke to stated they charge {$6.00} per day interest fee on top of contract interest fee. how is that possible or even legal. You would think the amount would be less because the insurance company is paying them off 10 months early. Please help Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
keep calling several times a day sometimes they just hang up when my machine picks up or today left a message this is XXXX calling from trans world systems, about a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DCI Credit Services, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX DCI credit services was recovered a Judgement against me for collections. I had paid {$180.00} at that time. I was then XXXX from XXXX in various XXXX, XXXX and XXXX until my release in XX/XX/XXXX. During that time I had no real income or contact from DCI credit services nor have I received any contact from them prior to the wage garnishment. I have been living in XXXX since my release and attending college and during the off time have been filing for deferment on my college loans. I have not received any contact from DCI credit Services until I received the letter stating that my checks will be garnished in the amount of XXXX % to pay off a remaining balance of {$3600.00} for debts owed to XXXX College and XXXX in XXXX XXXX. Student loans are not in collection or in repayment while in school or is under a deferment which I have been consistently registered and attending XXXX College and XXXX College, the times I was not enrolled I was under deferment. DCI Credit Services did not contact me at any time between XXXX and the time of the Garnishment. They said they sent XXXX letter out in XXXX ( never specified which ) in which I did not receive. The supposed debt form XXXX care show up as closed in my credit history report as of XXXX of XXXX. Yet they are trying to collect on a closed debt. I had no contact from XXXX until the present garnishment was put into place. I had contacted DCI credit services to see about having the percentage lowered from the max of XXXX % per paycheck and was told they can and will not lower it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc
State: RI

Complaint narrative:
Hunter Warfield in XXXX XXXX has bought a rental contract from my old landlord. They harassing calls and reporting to all the credit bureaus monthly adding XXXX a day. I called them first to see who they were. I gave them my information and they told me that they will destroy my credit. I was let out of the lease because of a cr accident and unable to get a handicap accessible unit. And on XXXX I could no longer afford to live there. I left my security deposit because I was unable to do the mandatory cleaning that every apartment should do. The also said I filled the dumpster. All my furniture was taken with me. Damage to rugs. They were over five years old when I moved in. They are up to XXXX. In damage. And I had a walk through when I handed my keys in. Hunter Warfield has sent me letters to settle for half since it was a joint account. One man on the phone told me to hold a sign for money on the corner or make a relative pay it. Because of this I am unable to get a apartment I have to rent a room. They are destroying my life. They call twice a week. I should of had a day in court by the original creditor XXXX XXXX XXXX XXXX XXXX . Please help me, I do n't know where to turn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO CAPIT ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO XXXX or any company associate with this account # XXXX AND XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has wrongfully refused to credit my account with {$120.00} in Dividend Dollars. Balances of {$8100.00} on my XX/XX/XXXX statement and {$3900.00} on my XX/XX/XXXX statement, which were both paid in full in a timely manner, were not credited with a total of {$120.00} in Dividend Dollars. By letter dated XX/XX/XXXX Citibank stated that the " Dividend Dollars earned on your statement Dated XX/XX/XXXX caused your total Dividend Dollars for XX/XX/XXXX to surpass the {$300.00} maximum. '' What {$300.00} maximum? 1. Although I always understood that only {$300.00} in Dividend Dollars could be redeemed in any year, in previous years in response to my explicit question Citibank representatives informed me that Dividend Dollars would continue to accrue to my account and could be redeemed in future years. 2. In all previous years that I have redeemed Dividend Dollars, Dividend Dollars have indeed continued to accrue to my account beyond this supposed {$300.00} limit. 3. The statement from Citibank accompanying my redemption check, dated XX/XX/XXXX, stated " remember to use your Citibank Dividend Card everywhere-the more you use it, the more cash you earn! ", but Citibank 's refusal to credit me the {$120.00} in Dividend Dollars makes this assurance completely false. Indeed, this supposed policy of not allowing Dividend Dollars to accrue after a {$300.00} redemption would be counter-intuitive even from Citibank 's perspective, as it discourages their customers from using their card! 4. At or about this same time, although I did not request it, Citibank increased the credit limit on this card to {$20000.00}, stating " with an increased revolving credit limit, you can use your card for more purchases and continue to enjoy 1 % cash back on all purchases. '' Again encouraging me to use the card and assuring me that Dividend Dollars would be credited to my account, an assurance that Citibank now refuses to honor. 5. In an effort to resolve this situation, I called Citibank on XX/XX/XXXX and discussed the facts with a Senior Customer Service Representative called XXXX. XXXX could not tell me why I had not been credited with the Dividend Dollars, but referred the matter to their rewards audit department, resulting in the letter referred to above. If this supposed {$300.00} limit were really the policy, how is it that a Senior Customer Service Representative did n't know about it, and if she did n't know about it, how should I, the customer, know about it? If there is such a policy, and I had known about it, I certainly would have used a different credit card to make purchases after redeeming the {$300.00}. For all these reasons, I again request that Citibank credit my account with {$120.00} in Dividend Dollars.

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