vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: GA

Complaint narrative:
Amcol Systems Inc has reported 2 accounts to all 3 major credit reporting bureaus that do NOT belong to me.

I demanded that ALL documentation regarding these two collection accounts be VALIDATED in accordance with FCRA 609c, and within 30 days from receipt of my initial request for validation but have NOT received the sufficient documentation for my review, which was : *All ORIGINAL documents baring my compete, legal, signature and dates * SSN AND DOB on accounts * proof you are able to do business in your state as a collection agency.

*contact info of owner of Amcol Systems Inc *Amcol 's license number *names and contact info of the credit bureaus representatives that were spoken to to " validate " these erroneous accounts on my credit profiles. 
*contact info for representatives that allegedly provided these accounts to you for collection. 
XXXX complete and accurate account numbers and alleged amounts due. 
* dates and times accounts were allegedly opened XXXX representative contact info whom allegedly opened accounts I also am a victim of a possible HIPPA Violation on Almco Systems Inc part according to the FCRA. 

Thank you in advance for deleting these erroneous ite.s from my 3 credit bureaus profiles as they are adversely affecting me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I keep regular contact with my student loan debtors and they have all my updated contact information however, of late I've had severe financial duress and was XXXX for a whole month with the recent XXXX going around, so I had to put them on hold. I've since sent them the required documentation for IBP. 
In the mean time, on XX/XX/2018, at XXXX in the morning, Nelnet called my elderly father who is XXXX, XXXX, XXXX, and very XXXX XXXX XXXX. That phone call almost sent him to the emergency room. Nelnet called him to get my updated contact information, which they already had, and he thought there was some emergency. He though I was in some hospital XXXX. No one calls anyone at XXXX unless it is an emergency! He doesn't give out anyone 's personal information over the phone, so they called him in vain. They did cause him a great deal of distress. After that call he immediately called me to see if I was okay. 
( NelneXXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fax : XXXX ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX I had a financial hardship that led me to fall behind on my credit cards. In XX/XX/XXXX I called my creditors to set up payment arrangements to start getting my balances taken care of. Bank of America was one of them. When I called they stated that my account was still open. I asked if they could stop or lower my interest rate to help pay my account off and they declined. Not only did they declined but said they do not offer any programs to help get me out of debt. They said could set me up on an arrangement to take {$130.00} for six auto payments out of my account and they would then report my card as no longer past due as a courtesy after the 6th payment. I agreed to make the high monthly payments because I was told my account was still open and I wanted to rebuild my credit. 

Today, XX/XX/XXXX, I called in to Bank of America to follow up on my arrangement and I was informed that my card was closed and has been closed since XXXX, XXXX XXXX. I feel that the representative at Bank of America was deceptive when I initially called XX/XX/XXXX to make an arrangement. Now, I feel that if the representative lied about my account not being open, did they also lie about repayment programs? Is Bank of America just trying to keep people in debt? 

I've been a good customer of Bank of America since XXXX and I always used credit cards responsibly and paid my balances due on time until last year when I had a hardship. I would of thought they would have more consideration towards their loyal customer.

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 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I  said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My husband attended XXXX University online from XX/XX/XXXX to XX/XX/XXXX. We had to take out student loans to pay his tuition, and Federal loans were not an option for this school. We took a loan with XXXX XXXX. Unfortunately, a few months before he was set to graduate, my husband became XXXX suddenly and hasn't been able to work outside the home since then. We have been working with XXXX XXXX ( now Navient ) to take part in a Rate Reduction Program since we first were required to start paying back the loans. Every single time we have reapplied for the program there have been problems with our payments. They took out 2 payments in the same month several times. They changed the amount they withdrew from our bank account without telling us that there would be an increase, which caused us to be overdrawn multiple times. They have also taken the payment out on the wrong date either before it was supposed to be withdrawn from our account, or after, for which they then charged us late fees.Every single time I have been on the phone with Navient regarding these loans I have been given the run-around. They have not made the terms clear to us and have caused a tremendous amount of stress to me and to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Credit was opened with Barclays on XX/XX/XXXX and closed on XX/XX/XXXX ( by consumer ). I had decided to seek debt restructuring with Barclay 's regarding the {$6700.00} that was owed at the time. Due to immense financial hardships I was unable to to meet my monthly payment of over {$180.00} a month ( 24 % + interest ). 

Barclay 's wasn't willing to extend help with this matter and instead of restructuring, demanded that I pay the monthly in 3 installments however the timeline of these installments were so close to the due date that by the time I would pay the third payment it was as if I had experience no relief. I lost my business and main income stream and had XXXX income for that period of time and was forced to rely on my Barclays credit card. 

I inquired about renegotiating interest rates because they were so high however Barclay 's did not facilitate this even after explaining my situation. They sent an email for an offer to negotiate but in the end I didn't even qualify for the offer based on the account and was left without any further resolution in which they started to demand increased payments and possibly full repayment of loan. My only resort was to close the account, and even when I did interest still accrued and my amount owed moved from {$6700.00} to over {$7100.00}. 

I kept getting calls and being bombarded by Barclays about the amount owed, emails, calls, letters to my home. It went into collections and the note was telling me to contact their debt collectors law office. I called Barclays and told them I am seeking consolidation and help from a potential third party who relayed to me that I should be contacted by Barclays however I still was. 

I enjoyed a good relationship with Barclays in the beginning however it seemed in the end that even when I fell into extreme financial hardship, no effort was made to help me as a customer, there was just a demand for repayment and an extension of time just for the interest to accrue.

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 2018-02-23 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: Capital Accounts, LLC
State: CA

Complaint narrative:
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XX/XX/2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are Capital Accounts LLC, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My original complaint against Citizens Bank was for unauthorized withdrawals fro my checking account and the bank 's acceptance of a check designed and submitted by a creditor that was paid from my account. All of this resulted in my account being overdrawn and daily ban fees that exceeded {$200.00}. being charged to my account. Since that filing the bank has removed the overdraft fees but saw that my account was cancelled. I am not upset at that, but when I went to another bank XXXX XXXX, to open a checking account. They would not issue a debit card nor allow my a senior discount for checking account fees. Therefore, I must pay a monthly fee of {$10.00}. and can only use their ATM service. I can struggle with that but it seems that Citizens bank got their pound of flesh on the way out. I was told that the non-issue of a debit card was because of a report that Citizens has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
A single {$480.00} credit card charge to Cabellas ( Capital One Bank ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from Cabellas. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XX/XX/XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The Cabellas credit card was closed by Capital One and this has probably damaged my credit. I will never do business with Cabellas again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like Cabellas/XXXX XXXX   allows this kind of behavior that could cause serious damage to those less fortunate than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to use my Chase XXXX, it was declined. I investigated and found out the credit limit was was reduced by XXXX. When I called Chase they stated they sent a letter. I never received the letter. I asked for escalation and was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX   on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Good afternoon CFPB representative : I really apologize for having to address this same issue yet again. It has not been a full month since my last complaint. I put in a complaint on XX/XX/XXXX. The complaint # XXXX. Well, I paid my Wells Fargo mortgage through bill pay from XXXX XXXX XXXX for XX/XX/XXXX. It was documented on my account statement ; BUT, the additional cash payment of {$1400.00} that i made in the bank on XX/XX/XXXX was documented on my statement as unapplied {$1400.00} and not towards the principal as I clearly stated to the representative in the bank and when I called into Wells Fargo that same day to notify the bank that the payment would made for XX/XX/XXXX for the mortgage as well. So, the total amount I provided to Wells Fargo for XX/XX/XXXX was {$2700.00} ; {$1300.00} for standard mortgage payment + {$1400.00} cash additional principal payment. Again, I apologize for complaining about this ; but, I want this matter adjusted and corrected immediately. Thank you for taking the time to listen to my complaints. 
Sincerely, 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 explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I currently have a refinanced loan with Quicken loans. In early XX/XX/XXXX I received a call from XXXX who only identified herself as a person with Quicken loans about my loan. She said XXXX had been trying to reach me about working on my credit rating. I said there was nothing that could be done about my credit rating because of my high medical bills out of pocket each month. She said that I should talk to XXXX that he had ways to help repair my credit. So I called and talked to XXXX and he said if I could get the two credit cards I have paid off that they would be able to remove the PMI from my loan. No one at this point every said it would be a new loan. All I was told was to get my credit rating up and they would remove PMI from my loan. I did as XXXX told me to do which was to sell off investments to pay off the cards. I understand now my credit rating is XXXX. This cost me about {$5000.00} in broker fees and money lost in money that would have been made had I left that money in the stocks and also monthly income that would have been earned. 
In the last week I have been getting calls from other Quicken loan officers about my new loan. I have never heard back from XXXX again. I found out today on XX/XX/XXXX that XXXX is a mortgage banker. I called today and spoke with XXXX he said now he never said he would remove my PMI that all he was doing was working with me to fix my credit which I have done so the PMI Would not be on my loan. Until today he had never told me that I would have to do a new loan and that the PMI could not just be removed. All he said he was doing was working to improve my credit so the PMI would not be on the now he stated new loan. This was the first time he used the words new loan. He gave me XXXX phone number and said I would have to discuss the terms of a new loan. I said I was not paying thounds of dollars for a closing and new appraisal of the house and witness fees and attorney fees to have XXXX dollars a month taken off my loan. I called and talked to XXXX XXXX Sevicing Resolution Specialist with Quicken loans who I had worked with before when I had problems with the last loan. He said I would have to talk to XXXX about terms of the new loan. That they could not just remove the PMI from my current loan until the 11 years were met or/and the life of the loan. I do have a call into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. 

First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. 

Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}. 
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My original Mortgage was 2 countrywide XXXX   mortgages. a First and a Heloc second mortgage. The loans were taken over by Bank of America. 

I have the Lien Release for the First Mortgage loan # XXXX I have been struggling for years to get the Lien Release for the Second Mortgage, a Helco loan # XXXX. This mortgage is lost. BOA can't find it. 

Bank of America does not respond to my fax and telephone requests to Send a Lien Release even though I have a letter from Bank of America stating it was paid off in XX/XX/XXXX. 
I have faxed them the documents, and they do not respond. Bank of America tells me there is no loan # XXXX. 

I am nearing the end of my current refi and I must have this Lien Release to have my refi go through. Interest rates are rising as I try to complete it and close on XX/XX/XXXX. 

Bank of America is not responding to me at all! I can not get title insurance on my property because they can not find my loan number. 

I need a Lien Release so my refi can be completed by XX/XX/XXXX. 

Bank of America Lien Release dept. XXXX I spoke to XXXX once. She asked for so I faxed her the documents 3 times to Fax XXXX. I got 3 confirmations on my end that they went through. 
XXXX said her phone extension is XXXX ext XXXX. I have been told by others they do not have extension numbers! XXXX or all others at Bank of America to not get back to me at all!!! 

Please, I need help! This has been going on for Years with this lost Helco mortgage and I do have the letter from Bank of America saying it is paid off. This is all I have.

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