vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 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:
This is regarding the Public Service Loan Forgiveness program In XX/XX/XXXX I applied for forgiveness of my federal student loans under the Public Service Loan Forgiveness program ( PSLF ) ; however, on XX/XX/XXXX I was denied participation in the program because I had consolidated my loans. According to FedLoan Servicing, by consolidating my loans the loans are no longer considered Direct Student Loans and therefore not eligible for forgiveness under PSLF. In XX/XX/XXXX, I had consolidated my direct and XXXX XXXX XXXX loans with XXXX XXXX in order to better afford to repay my loan obligation. Since the PSLF program was not yet an option, I could not have anticipated that consolidating my loans would prevent me from participating in a program instituted at a future date. When the PSLF program was announced, I determined that I would remain employed in XXXX XXXX until I became eligible to participate in PSLF. I have now been working in XXXX XXXX for nearly 20 years, but would have made different career choices had I known that my former direct student loans were not eligible for discharge. After the FedLoan Servicing 's denial, I contacted them about next steps and was flippantly informed that it would take an act of Congress to get my loans discharged! I have kept my end of the bargain. I have traded years of service in XXXX XXXX and years on-time payments of my student loans for the promise that my loans would be forgiven in XX/XX/XXXX. Can you assist in obtaining forgiveness for my formerly direct student loans? Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ME

Complaint narrative:
Issue  with Fedloan. Is sue since  XXXX   XXXX  regarding an incorrect interest balance. In  XXXX   XXXX  an incorrect amount of interest capitalized on my account. I was on an income driven repayment  plan ( pay as you earn ) and was determined to pay {$0.00} a month in payments and the government therefore woul d pay my interest from  XXXX   XXXX . This did not happen due to some error, and so at the end of the yea r ( when I switched to a new repayment plan that required me to make payments since I was now employed ) the amount was put on my account and the interest capitalized. I had to make numerous payments to pa y down that interest beginning in  XXXX   XXXX . This was interest that never should have been there, thus those first several payments would have been going to pay down the loan principle, but instead had to go towards the interest that should have never been there. I have been told via phone that this will be remedied although the exact timeline is uncertai n ( Granted it w ill be 2 years of this issue in  XXXX   XXXX  ). I recently received written confirmation stating that, " Our records indicate that you will be granted the interest subisdy for the period of  XXXX  of  XXXX  to  XXXX  of  XXXX . We do not have a timeframe or amount for this yet, but you will be notified once it is completed. '' I do not understand where this timeline of  XXXX   XXXX   XXXX   XXXX  comes from. There was also no written confirmation verifying the amount of repayment, nor how it was calculated. I am worried that simply granting me the interest subsidy that was lost is not enough, since it ignores the fact that my initial payments in  XXXX  would have otherwise been able to go towards the loan principle. Because they instead were forced to go to the interests that should n't have been there in the first place, the repayment life of my loans has been prolonged by more than just the amount of the missing interest subsidy.     I have been documenting this process and been met with inadequate, vague responses, or no response at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Clarity Services
State: WI

Complaint narrative:
Clarity Services  Inc  -  XXXX ,  XXXX  Manager.  XXXX  XXXX  XXXX . Obtained a copy of my  Clarity  Credit Report due to a loan denial. Notice Items reported incorrectly including items that have been  discharged  thru Bankruptcy and inquiries that are as old as  XXXX  on  XXXX / XXXX /  XXXX   Contacted Clarity and spoke with a rep (  XXXX   )  to file a complaint, was told that I needed to speak with a supervisor (  XXXX   )  and was transferred said supervisor, she was very polite and stated that would look into my accounts, as far as the inquiries, she stated is their policy to report those for  five  years, to which I advised her that was against FCRA  .   XXXX  said that she would talk to her Manager (  XXXX  ) and would call me the next day. On  XXXX / XXXX /  XXXX   since I received not calls I contacted Clarity again, spoke with  XXXX , she apologize as she was not able to contact me when promised. She gave me feed back on the collections and said that as  Far  as the Inquiries her  Manager   XXXX  was upholding their policy of  five  years, but that I could speak with him directly. She tried to transfer me but the call was disconnected. Received a call from  XXXX , he asked me where I was getting the information, I advised FTC and FCRA, again upholding their policy and advising that FCRA does not state a  two  year limitation on Inquiries and that I could dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Today, I contacted both the Exchange Credit Program and  XXXX   XXXX   XXXX  to inquire about a debt that incurrent in  XXXX  of  XXXX . I was told that the balance on the account as of today was {$2800.00}. The original balance on the account was {$2400.00}. The company has already taken {$1300.00} from my tax returns. I never received notice, a court order or anything stating that my tax returns would taken. I was told that the account had a collection fee and interest since  XXXX   XXXX ,  XXXX  by  XXXX . I was told by the Exchange Credit Program the account was not transferred to  XXXX  until  XXXX . I have received zero proof, a letter stating they were collecting the debt but the account is still being reported on my credit report.     There are some many things wrong with the situation. (  1  ) The incorrect balance and added fee ( Which maybe be against the law ), (  2 ) Reporting  to my credit report without notice ( 3 ) Garnishment of tax returns without notice.     *****The exchange credit programs acts as if its a federal agency doing whatever it wants to do because it offers credit to military members. ********

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 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
This company is contacting me as the result of a conflict between a company I owned and  XXXX   XXXX   XXXX . I have complaints about this issue with both the FTC and FCC yet this company has the audacity to try and collect on a debt that does not exist because  XXXX   XXXX   XXXX  broke their contract with me and violated the false advertisement law. If the collection company wants to stay involved with this issue after reading the statement I sent to the FCC and FTC then I have a lawyer that would love to talk to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Debt was told t o NCB Management , I settled with them, they are reporting on my credit report as a collection account event though they do not have a contract with me. I have asked them to remove it from my credit report, I agreed to pay the settled amount. I have no obligation to  NCB  there is no contract.  XXXX  wrote this off and sold the debt. but  NCB  was constantly calling me at home and at work and I did n't know my rights and agreed upon a settlement because I was trying to get my credit back on track after getting behind due to some medical bills and did n't want them to keep calling my place of employment. This debt settlement will be paid in full in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Previous complaint filed against  XXXX   XXXX  relative a defective mattress delivered  XXXX    XXXX   with no communication or follow up from the store to resolve the issue.     The conclusion of the previous CFPB complaint states : Please note Comenity Capital Bank and  XXXX  are  two s eparate entities. The Bank issues and is responsible for addressing questions related to the credit card account.  XXXX  is responsible for handling matters related to sales, merchandise processing, returns and shipping.  XXXX  informed us they will attempt to schedule a service technician to inspect the merchandise and come to a resolution.     Since this response and closure of the complaint,  XXXX  still has not made any attempt to resolve the issue. A refund should be granted.      XXXX  also lied and stated no communication was ever received but clearly there were  XXXX  separate emails sent to the same email address on different days per their request. Attached is confirmation that the email address used is correct and a regularly checked email inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
have closed credit card with  Capital On e reporting as charged off on credit reports, was sent a letter last year stating that they were reporting it incorrectly and   XXXX   XXXX    deleted the account from their report but the other  XXXX  agencies did not. Now  Capital One  says they are reporting it correctly, I am currently paying them through a debt settlement company, they will be paid the settled amount  XXXX    XXXX  . This account was never sold its been with  Capital One  the entire time. Its not considered a chargeoff if you came to a settlement and are getting paid on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OH

Complaint narrative:
XXXX17. So this all happen today from about XXXX XXXX to now ( XXXX XXXX ) I decided to use the check deposit feature on my NetSpend account because my new job only gives out checks for payday. So since direct deposit was n't an option, I decided to try to load my check into my account through the NetSpend app but unfortunately it only made things worse. I do n't have a car, it was too hot for my XXXX self to take the bus, so I figure this app feature is a viable option for me.
The app basically malfunction on the part after voided the check, hence preventing me from loading it in my card or cashing it in person.
I first called NetSpend angry and they directed me to XXXX XXXX. Supposedly, when I called XXXX XXXX ( who is partnered with NetSpend to do this mobile check load ), my picture was " blurry '' and the black ink was not bold enough ( when writing VOID ). But I only got a messages that read that indicating my account history, not the picture. Once I figured out what " account history '' meant, the 1st XXXX XXXX specialist told me that my account is fine and I attempted to try sending the voided check. But now the app is starting to reset frequently. After it stop doing that, everytime I attempt to take a picture, the screen goes away and an error message reads " detection error '' ... Unfortunately, when I called NetSpend to confront their issue on the app, all the account rep did on the phone was try to redirect to XXXX XXXX to help fix the issue. I basically going no where with two company blaming one another not trying to resolve the issue. What 's worse is that when I called NetSpend to speak directly to someone who would be responsible. For the app, the customer service rep kept giving XXXX XXXX information. I need bus fare to go to work and these companies are preventing me from accessing my money and they do n't even care.

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 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help
State: TX

Complaint narrative:
I did not send any paperwork to FedLoan Servicing company or personally request   XXXX   to send them documents for me. I would never ask   XXXX   to do such a thing as they recently stated in their response. A representative of  XXXX  in   XXXX   2017 stated to me that " someone had emailed them paperwork with my name attached on the document. "   XXXX   is taking upon themselves to falsify documents and I hope that such a company will be held accountable for their ill actions. For   XXXX   XXXX   constant wrong doing against innocent people such as my myself I would like them to face charges due to their overall negligence in the matter. I,   XXXX   XXXX  , sent certified documents to  XXXX  in  XXXX  2017 with my authentic signature on my own will and accord in which I did not email them any forms to them ever like they have stated several times now. In   XXXX   2017 I did not reach out to any companies requesting they send   XXXX   or FedLoan Servicing documents on my behalf.   XXXX   is being allowed to run a scale operation and scam with fraudulent activities while affecting the many lives of so many others such as myself. This type of malicious harm against innocent people has to stop and I hope you 're bureau will help in bringing justice!

Company response to consumer: Untimely response
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX  : : claim #  XXXX  I called chase card benefits that my kids phone was stolen. She said to file a claim online which I did on  XXXX   XXXX   XXXX .   On  XXXX   XXXX    XXXX  , all I received from Chase was that I needed itemized sales receipted indicating the purchase of the price I am claiming.   - Your itemized sales receipt  ( s  ) indicating the purchase price of the item  ( s  ) you A police report was not requested til  XXXX   XXXX . When I received this email, I emailed back and called if we need to file a police report. Due to system error , Chase  needs to call me back. I didnt receive an email re : this police report or a call til  XXXX   XXXX ,   XXXX  . Chase is quite slow in processing this and many days have lapsed.     Also there was NO Prompts or mentioning in the claims online that a police report is needed!     Additionally the rep,  XXXX  called me on  XXXX  of  XXXX  requesting a police report. I told her and I have emailed you guys I can go and obtain a police report. She said, she needs to speak to someone or she needs to check something out.   On  XXXX   XXXX , she called stating the claim is denied because a police report was not in place.     Why wasnt I requested a police report in this email on  XXXX   XXXX  request?     I have been with chase when I was  XXXX   XXXX   XXXX . For 16 years, I paid an annual fee! If you look at my histories, I have purchased many expensive items! I do NOT have histories of filing lost or theft items at all. This is my FIRST item that is lost and this is how Chase treats me!     I feel chase is trying to avoid paying this claim. I am a good cardholder, I pay my bills on time, etc. I am not very happy. Whats the point in paying {$95.00} annual membership for? I paid this fee to have a sense of security when my item purchased is damaged and lost.       I will also file a BBB report and any other report that is necessary to have Chase cover this claim.     If I was told in the beginning or when I file this claim that a police report needs to be popped up then I would have filed a police report.       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: IL

Complaint narrative:
There was an advertisement on XXXX about student loan forgiveness. I called and they told me since I have over {$10000.00} in debt and work for a XXXX XXXX, they could forgive my loan and consolidate them. I gave them all my information SSN, bank account, and they sent me a contract that I signed. My first payment is scheduled to come out on XX/XX/XXXX 2017. I called onXX/XX/XXXX and signed the contract on XX/XX/XXXXalso. My first 4 payments were for {$220.00} and then {$20.00} a month for 10 years and the rest would be forgiven. I believe it was a scam and they have all my personal information. The company is called Premier Student Loan Center and in the contract if had information about the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received email from Bank of America fake site to input my username, password, name, address, credit information, and personal email login information Here is the scamming link https :  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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Loan #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   belonge d to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point   Wells Fargo noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.
I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the Wells Fargo responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the Wachovia acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the Wells Fargo represent  ative  XXXX   XXXX   ( Executive Resolution Specialist ) ref erenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter y et. 2  weeks ago I physically went into a  Wells Fargo Branch (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX  )  where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER F OR WELLS FARGOS LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by Wells Fargo

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 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MFP, inc.
State: TX

Complaint narrative:
Company called my boyfriends number 6 times in a matter of an hour - told him each time they needed my address to deliver important documents. He refused to give them any information. I then contacted the company who refused to at first refused to give me any information on who they were, what the debt was for. Was asking for the last 4 of my social security number ( which I refused to give until they identified herself ). She said her name was XXXX and She was calling on behalf of Financial Credit Services - I told her I would not give any personal information unless she informed me on what exactly the debt was for. Her response was " that 's fine, just be ready to continue to get calls. '' I then told her that since she decided to threaten me with more harassment that I would be contacting an attorney and the BBB and informed her of the statute of limitations on debt collections. She quickly would email the documents ; I asked when and from whom and she said " the office lady when she gets back ''. I asked for a time frame and she could n't give me one and seemed rushed to get off the phone with me.

Company response to consumer: Untimely response