vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
Two complaints 1. Number of calls 2.  Wo n't close account : I have a  XXXX   XXXX  card that I got delinquent on. Over a year goes by, account should be closed but it is not. I sent a written letter to  XXXX , along with the card, telling them to close the account and send a final statement. Almost a year after that, I am still receiving monthly statements steadily climbing higher because of late fees and interest. While this is going on, they are calling me up to 7 times a day, mostly 6 days a week. They are calling my mother in Alabama, my father, my grandmother, my uncle. And that 's just the ones I know about. I decided to try to pay the debt off on my own recently, sent another written request to close the account, saying I would make weekly payments until paid in full, and to stop calling me unnecessarily because I would file a complaint . Two payment s have cleared in a row, steadily getting phone calls from them, and they wont close the account. Got a statement in a couple days ago where I am charged yet another late fee and interest. My grandmother told me she got another phone call from them. She tells them there is nobody there by that name, but they continue to call. I am going to continue to make my weekly payments, but I want the account closed because if they charge a late fee each time of {$15.00}, my {$25.00} payment on a {$700.00} balance will never be paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was on a low interest rate payment plan and making payments just fine. I did not realize that the program ended and I had to call in to enroll again. This was the start of delinquent payments. The last payment they have on file was made in   XXXX   XXXX    . I did n't realize until the calls started, that I was late. I am very willing to make a payment but needed more flexibility. I was offered a  XXXX  interest rate in  XXXX  and that was great but I had to make a large payment on that date and could not do it. I asked if I could make the payment in  XXXX  and they said I 'd just have to call back in  XXXX , so I waited. Now, they can only offer  XXXX  rate which makes my payments too high. I requested the  XXXX  rate by talking to a supervisor. He would not approve me and told me that I ca n't speak to another supervisor and he would not transfer me. He then hung up on me. I would like to make my account current but need more options. Every time I speak with Navient they are extremely rude. I can not believe they are allowed to speak to customers in the way that they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase prepaid cards The owner o two prepaid Chase c redit cards passed away in  XXXX   XXXX .   The trustee of the estate ( me ) received two letters mailed to the card owner, dated  XXXX   XXXX ,  XXXX  and received  XXXX   XXXX ,  XXXX  stating that the balance on the cards would be transferred to the state of California as " abandoned '' if there was no response prior to  XXXX   XXXX ,  XXXX .     I contacted Chase by phone on  XXXX   XXXX ,  XXXX , on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . I was advised I had to fax several legal documents to a specific phone number, and to expect response within  16 busin ess hours. Documents were faxed on  XXXX   XXXX ,  XXXX , again on  XXXX   XXXX ,  XXXX  and then twice on  XXXX   XXXX ,  XXXX . Followup emails were sent on  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX .     There has been no response.     Each of the  four phone calls took over two hours and involved numerous transfers and conversations with six or more individuals. At times I was provided with false information ( a c allback number which did not provide option to speak to a person and an employee identification number that did not exist ).     I have been advised that the only way to contact the appropriate department is by fax, mail, or email. On  XXXX   XXXX , I was told that no faxes have been received, even though I have sent   three times to the phone number provided by customer service. It would be irresponsible social security numbers and other sensitive information via non-secure email. And I was advised on the first phone call that the mail method was not reliable, and might take too long for this situation.
I have now spent over eight hours on the phone and spoken to 26 or 25 different people, and I am still being told all I can do is send the required documents again and wait. I have been   told there is nobody I can speak to who can find out how to resolve the situation.     As yet, I still have not received responses to faxes or emails, and it seems lik  e Chase is doing their best to make it impossible to retrieve the prepaid funds from these cards. Chase is providing no alternative other than to repeat the same steps that have failed to work three times, and customer service representatives say there is nothing more that can be done.
This money does not belong to Chase - these were prepaid cards! It is shameful that they make it impossible to retrieve funds that they have not right to withhold.       Please assist in resolving this issue. Thank you sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received  a Home Affordable Modification Program mod ification on my 1st loan with  XXXX . I was told since I have a 2nd mortgage wi th Citi  Mortgage I would receive the  2MP  modification for my second loan with  Citi bu t I never received it. I contacted Citi mortgage multiple times and asked my Point of Contact where these documents were, they said to wait and it would come in the mail. I waited months and still have n't received m y 2MP modification on my 2nd mortgag e. I was approved for the HAMP program with  XXXX  in  XXXX  of   XXXX   and it 's almost been a year now and I still have n't received the documentation for my automatically mo dified 2MP on my 2nd mortg age  with Citi. I would appreciate some explanation on where my 2MP modification is and when I will receive the documents. Citi mo rtgage has failed to do what they said they would do. They said since I got the HAMP modification on my first mortgage they were mailing my approval for a  2MP and I never received it. WHAT IS GOING ON!? I have also done research and on the HAMP website it says I qualify for a 2MP a utomatically. I would appreciate some help, thank you.      XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My debit card was duplicated and used fraudulently at a post office made  XXXX  money orders in the amount of {$4900.00} on   X/XX/2017 . I f iled a police report and a report with the postal inspector. Chase denied my claim first they said my card was used and swiped with my pin number because that day the machines were down to use my pin. I escalated the call now they are saying it was a chip on chip transaction. I filed another claim to reopen my case and now they are saying  XXXX  out of the  XXXX  transactions are correct. All the  XXXX  transactions were done at the same time all together. I asked them how is it possible to claim  XXXX  incorrect and not  XXXX  when the person did it all together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 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: NH

Complaint narrative:
I had my Loans end up in collections. I had made an arrangement with the collections agency and satisfied that arrangement. It was then transferred to Fedloan Servicing. I made an arrangement with Fedloan servicing to pay back  XXXX  $ per month ( the minimum I qualified for, ) and I agreed to pay an additional  XXXX  $ for a total of  XXXX  $ per month.   This was fine for abo ut 2-3 m onths, then in   XX/XX/XXXX , I  got a notice that they increased my statement amount from  XXXX  $ to  XXXX  $ per month and told me I would have to do an application for income based repayment. So I get the info to fill out, and I ca n't access it, Also, the statement they sent me, says total repayment per month is  XXXX  $ but it also shows that they want my current payment is  XXXX  Plus the extra  XXXX  $ =  XXXX   .  I am worried about sending any additional monies to this company that ca n't even provide accurate billing and also does n't adhere to arrangements that the company itself made. Not sure what to do here. I ca n't afford to pay  XXXX  $ per month and still keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have  Southwest Rapid  Rewards credit card from  XXXX  to  XXXX . I called to close the account on  XXXX .     Chase, the issuer of the card did not appropriately close the account and failed to notify me. The credit card statement were missing in Chase.com credit card website for months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . The Chase credit card website did not make it clear that this credit card is still open by hiding the statements from month of inactivity. Chase charged me {$99.00} twice on  XXXX  and  XXXX .     I called Chase on  XXXX / XXXX / XXXX  to close the account and refund the fee for  XXXX . Chase refuse to refund the fee for year  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received a Stafford Subsidized and a Supplemental loan in   XXXX   to attend  XXXX  College Of  XXXX  which is located in North Carolina. Though I must admit that I have not always been diligent in my repayment of this loan, It seems because of the interest charges and whatever ; I have almost certainly have repaid this loan three or more times over. I requested a loan Discharge Application School Closure form in an attempt to get the loan expunged because the school closed before I was able to graduate, and after completion of the form I was denied. Here is the information from my loan :  Supplemental Loan  original principal - {$2300.00} total to be repaid - {$3200.00} current balance - {$2900.00}  Stafford Loan  principal - {$2600.00} total to be repaid - {$3300.00} current balance - {$3000.00} total current balance - {$6000.00} Disbursement date  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I purchased a  XXXX   XXXX   XXXX  from  XXXX  in  XXXX  NC in  XXXX   XXXX . The vehicle was Financed "  American Credit Acceptance  '' on  XXXX   XXXX ,  XXXX  I applied for a Re-financed Loan with  XXXX . I was approved. As previously financing a vehicle with  XXXX , I assumed the check was out, and everything was as normal. However, in  XXXX , " ACA '' contacted me to inform me the loan was past due, I made a payment of {$1000.00} out of good faith while I tried to resolve the matter. Only a Few days later, " ACA '' Repossessed the vehicle in the dark of Night, and THEN told me I needed to pay {$2000.00} to get me vehicle back. I offered Proof, they were not interested. Only after I vented my frustration, they offered me a deferment. WHY was n't this offered before collecting the unit. I was very vocal about what I was doing, and the process in place. The they offered the repossession fees only of {$670.00}, in order to reclaim my vehicle. As I am in the middle of   XXXX   in the  XXXX   XXXX , this repossession KILLS my eligibility, when I 've worked for over 2 years in preparation, paying down debt, refinancing loans, rebuilding credit in order to obtain security clearances. My credit bureau shows 76 days late, and a repossession.      XXXX , quickly resolved their issue within 15 minutes. After HOURS on the phone with " ACA '' my vehicle is gone, along with my military aspirations!     The way I was treated on the phone, was criminal!   The unethical collection practices of  American Credit Acceptance  is CRIMINAL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account .. . .I e ven got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account ...  .I  even got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have written  Portfolio Recovery Associates  several letters asking them to verify and to remove a debt that is not mine. In addition, I asked them to provide me with the original contract between myself and the original creditor. In return, PRA asked me to send them additional information to help them verify the debt. It is not my responsibility to help them verify a debt that is n't mines. PRA does n't have any of the necessary paper work to prove this is my debt, yet they will not remove it from my credit reports and they are still trying to collect this debt. In fact, they have even threatened to sue me. The debt is less than a {$1000.00} and the PRA is located in different state than me. Thus, the cost to hire an out of state lawyer would be much more than the {$800.00} that they claim I owe. This is clearly a scare tactic and this company is violating the FDCPA in several ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
On   XXXX   XXXX   XXXX   I mailed a certified bank check for the payoff amount of {$1700.00} to Wells Fargo from a purchase made at   XXXX   XXXX   XXXX   XXXX  . I called Wells Fargo on   XXXX   XXXX   XXXX   to confirm that my payment was received and processed and according to automated system stated new balance was {$2600.00}. I contacted Wells Fargo on   XXXX   XXXX   XXXX   and then on   XXXX   XXXX   called spoke with a supervisor and they stated there was nothing they could do. On   XXXX   XXXX   XXXX   I went to my bank at   XXXX    and   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   at   XXXX   XXXX   XXXX     XXXX    ME   XXXX   called Wells Fargo and spoke in a three-way conference call with a  XXXX  from Wells Fargo .   XXXX   XXXX   offered to fax over a copy of the certified bank check made out to Wells Fargo that included our names and account number but they refused.  XXXX  referred us to   XXXX   XXXX   XXXX   XXXX   saying we did n't meet the contract obligations. We spoke to  XXXX  at   XXXX   XXXX   and he said he could n't help us. I contacted my attorney generals was told to contact CFPB to file a complaint. We have contacted Wells Fargo several times to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was mistakenly charged late fee by Citi. The fee has been reversed when I called to report the error, but I was advised to pay the entire balance billed ( include the late fee ) TODAY ( for amounts due on  XXXX  ) in order to avoid another late fee and reporting to the credit bureau.     Billing date :  XXXX  Amt {$18.00} Merchandise return  XXXX  Amt {$6.00} Payment date :  XXXX  Amt {$11.00} Due date :  XXXX  Late Fee : {$18.00} on  XXXX  stmt for missing  XXXX  pmt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC
State: UT

Complaint narrative:
Have called me several times over the course of several months ... they have stated that a claim has been filed against my social security number. Calling me at work and on my cell phone and they state every time they will not be able to help me if either myself or lawyer do not contact them ... I did and they were very rude on the phone

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: KS

Complaint narrative:
I live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I have a credit account with CONNS APPLIANCES. My payments are due every  XXXX  of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at  XXXX  and the calls occur through out the day. I have received up to  8  calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during   XXXX  - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I had  Chase Credit Cards  for 20 Years. Suddenly, TODAY, they closed  All   XXXX  of my  Chase Credit Cards  without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very  High Credit Lines, and always Paid on Time.  Never carried Any Balance.

Company response to consumer: Closed with explanation