vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
This is regarding Discover Payment Protection Plan. <P/>It turned out I was enrolled in the plan for years ( since XXXX ) and paid thousands of dollars in fees. I 've been making automatic minimum required payments for the maxed out card without realizing that approximately {$160.00} each month goes for the service I did not request. I called Discover about it, they cancelled the service and refunded 6 months worth of payments. However this does not come close to the amount I paid over the years. <P/>Attached are two statements - one dated XX/XX/XXXX and the other one XX/XX/XXXX. I was charged almost {$5000.00} just during this period. <P/>I understand I am not the only one who was taken for the ride by Discover. XXXX XXXX XXXX I 've been paying high interest rate for my card balance for many years now, charging another $ XXXXmonth on top of that is just not right. Please help me recover the money. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made. <P/>Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine. <P/>I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET. <P/>Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX. <P/>Please help us! <P/>With kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I originally had student loans throught Department of Education,  XXXX  ... in  XXXX  of   XXXX   I consolidated all of my federal loans through  XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I 'm typing this email because I need your help, Chase has placed me under a short sale since last yea r (   XXXX    XXXX   ). a buyer made an offer and after several months waiting for an approval Buyer decided to move on.  <P/> So at that point we reach out to a back offer that was made and we submitted all documents. Chase told me that my application for a short sale will be reviewed with the new buyers offer.  <P/> After 7 months now waiting for an approval, Chase now decides to deny my application because they could n't identify me.  <P/> I was like what are you talking about??? Chase is now making excuses to foreclose on my home. I have asked them what do they need from me.  <P/> Chase keeps telling me that they do n't have the details but my application for a short sale is denied. Now I 'm at risk of getting foreclosed on just because  Chase  is playing games.  <P/> Please all I 'm asking is help to get this short sale completed, as it is I have to move out of the property and Chase keeps playing games with our home.  <P/><P/> Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom i t may con cern, On  XXXX   XXXX ,  2017  I opened a core checking account with Bank of America. My account was in good status and I made several qualified deposits to my account from m y   XXXX   XXXX    account as well as  XXXX   XXXX  account. I was also received my Bank of America debit card on  XXXX   XXXX . I did not realize that BOA closed my account until when I attempted to activate my card. I made several phone calls to figure out what happened the BOA staff simply told me that they do not have any obligation to disclose the reason. The bank just simply closed my checking account and I will not be qualified for applying for any BOA accounts in the future.   I have good relations with all other banks and am in excellent credit status. Also I am not involved in any negative financial activities in any forms. Therefore I need to know why exactly Bank of America treats an honest and responsible customer like this. Many thanks.

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 2017-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I am a XXXX XXXX XXXX XXXX in Arizona. I began doing business with TitleMax Title Loans as they opened and maintained their own auto auction. Throughout the course of their operation, I have come across numerous instances of deceptive business practices and flagrant titling violations. I have proof of the numerous vehicles I purchased through Titlemax Wholesale that were deemed restored/salvage and " Not Actual Miles '' ; those discrepancies were not properly disclosed. I have one instance in particular where I purchased a XXXX XXXX XXXX from TitleMax XXXX of XXXX, AZ. The vehicle was listed for sale on their auction website and it was listed as a good, running vehicle. With the limited information I had from Titlemax, I submitted a commercially-reasonable offer of {$1800.00}. On the evening of XX/XX/XXXX, I received the notification that I had won the bid on the vehicle. That Tuesday, XX/XX/XXXX, I attempted to redeem the vehicle after having paid for it that same morning. As I attempted to start the vehicle, it would n't turn on. The reason being is that the motor vehicle had dirt in the engine and therefore, the engine seized entirely. This is just one of many instanced I can recall from the faulty Titlemax Wholesale operation. I have other dealers in my network that can also attest to such major discrepancies and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name : XXXX XXXX I have credit card with American Express ( AE ). card # XXXX My dispute with AE was charged to my card for {$12000.00} without my authorization by XXXX XXXX XXXX. <P/>I was use XXXX for different job, it was paid with AE card. I use them for other job for repair the roof, this time the job was not complete, and repaired was not according what we specify, after repaired the roof still leaking, we call them many time to fix the job correctly, XXXX never come back to do the job.. XXXX using my pervious card information to charge my account, I did not know until I received my statement. <P/>My reasons for dispute 1. Charge to my card without my knowledge should consider as stolen. 2. I am not satisfied with job ; I should get my money back. This American Express card has advertising all the time. I do not understand why AE need to investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is reference to  Case No.   XXXX  previously filed with the CFPB.  <P/> Overview : Since  XXXX    XXXX  , PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with   XXXX   and  XXXX . I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then  two  months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA an d Federal Debt Collection Act.   <P/> Follow-up Remarks : The response from Portfolio Recovery is an outright avoidance by skirting their responsibility to be in compliance with FCRA ; not to mention PORTFOLIO RECOVERY  may  have committed fraud!  <P/> I have not " with confidence '' never received any response from Portfolio Recovery to date  (  see attached ). My past experience with PORTFOLIO RECOVERY is whenever I dispute this alleged debt, PORTFOLIO RECOVERY will remove from my credit files at once and then resurface a few months later!  <P/> Also I have noticed on my Credit Report are their attempts to obtain / access my credit reports ( over  120  attempts ) based on limited information with hopes of making a hit of the  three  rules debt validation. It 's because when I call them they keep asking for my " FULL '' SSN ( last four digit is not enough for them to locate " my file '' ).  <P/> Also, the attached statements has an address that I have never, ever had a residence nor have I ever lived there!  <P/> Once again, I demand proof this alleged debt is mine with proof of my signature and my Full SSN, not the last  four  digit of my SSN ( PORTFOLIO RECOVERY got the last  four  digit because of the requirement by CFPB and now illegally used this information to their advantage ).  <P/> Furthermore, to help you resolve this, I was not even living in the States during the timeframe as per the " fabricated statements ''.  <P/> I demand CFPB should investigate / prosecute this firm " Portfolio Recovery '' for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have opened disputes with all three credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. XXXX and TransUnion have not removed this account from my report, XXXX has. I also do not have any contract with the collection agency that is listed on this report.

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I had a phone bill sent to Receivables Performance Management for collections in the amount of {$370.00}. I called to pay my bill and they settled for {$200.00} dollars. They told me i could make two monthly payments of {$80.00} dollars and on of {$48.00} in 3 consecutive months on my first call to them. I paid the two payments of {$80.00} dollars each month and went to settle the remainder. They then told me the settlement never happend and i would have to pay the rest of the full amount and the two payments i made were just good faith payments. I said this was untrue and asked the phone call to be pulled from the initial XXXX XXXX call. The company stated this would take 48 hours and they would give me a call back. They never did and when i called back, i keep getting transferred to the " management department. '' The phone just rings or disconnects each time and i have to explain the situation all over again. For 3 days i have been told i will receive a call back later from a supervisor and i have yet to receive a call. I told them i would file a complaint and they hung up on me

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 2017-07-12 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: MS

Complaint narrative:
I started the process of renewing my IDR plan about 3 months ago. Since that time, I 've received a few emails from FedLoan saying something was n't accepted or that I needed to choose a IDR plan eligible for PSLF if I wanted to continue working toward forgiveness. Each time I 've gotten an email, and it 's been at least 4 times, I 've called FedLoan. Each time, I 've been told that I have uploaded the proper documents and tax information. Last week, I received an email saying that my request was n't processed and that my next bill would be {$4600.00} instead of something close to the {$210.00} I 've been paying for a year. I called and was told that my tax document was n't what they needed. This is after being repeatedly told over the past 8 weeks that the information I uploaded was correct. I 'm now being told that I will likely have to go into general forbearance which would cause my loans to capitalize, adding a several thousand dollars to my bottom line. I spoke with someone today who said I may get an " administrative forbearance '' which may keep my loans from capitalizing but he could n't guarantee it. I 've spent at least 20 hours on the phone with this company and have sent several emails, most of them which have n't gotten a response, since this problem started, and there has been no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc.
State: LA

Complaint narrative:
I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: CT

Complaint narrative:
I was originally on an interest-only repayment plan. I received a letter stating that repayment plan was going to expire and I was not eligible to renew it. Before it expired I tried calling the company to find out about what payment options I had and I got jerked around for weeks. They kept telling me they could n't talk to me about it until my current plan actually expired because all they could look at was what my payment plan currently was and not what it could be in the future. They said the only way they could talk to me about future plans would be if first I voluntarily cancelled my current plan early. When it finally did expire and the new plan started, my monthly bill almost tripled. The current monthly amount due is about 40 % of my monthly net income and is hundreds of dollars more than what I have left over after I pay my other bills. I called and tried to set up a different payment plan because I could not afford what they were billing me for. They asked me a bunch of questions about my financial information and about my cosigner 's financial information. They told me that I did not qualify for any repayment plan besides the one I was currently on. They said it did not matter that it was an impossible amount for me to afford and suggested that I tell my cosigner that they had pay the difference. I 've been paying them what I can every month, but it is a lower amount than what they are asking and it 's starting to become a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On  XXXX   XXXX , I sent the following letter to  XXXX ,   XXXX  , and  Trans Union  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from  XXXX  or  Trans Union .

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Amsher Collection Services placed an collection on my XXXX Credit report for XXXX with out debt validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SECURITY FINANCIAL
State: GA

Complaint narrative:
Terminated/canceled refinance without my knowledge after signing closing documents. Now have left me high and dry without a way to resolve. Was berated by the " manager '' and was called privileged and fortunate for using there company. Missed 2 payments because of them and the way they have done business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: IA

Complaint narrative:
Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.

Company response to consumer: Closed with non-monetary relief