vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My financial advisor left Merrill Lynch in XX/XX/XXXX. Since that time no service has been rendered. Despite this, ML has continued to charge a 1 % management fee on the two accounts I hold there. I requested a refund of the charges ; and XXXX XXXX, the VP in charge of the region, agreed to reimbursement, provided I sign a general release and move my accounts to another financial institution. In and of itself, the release seemed unwarranted. She then began demands for a W-9, thus making the reimbursement taxable. This a refund of my own money. It is not any form of compensation, thus my reluctance to agree. 

On XX/XX/XXXX, Ms. XXXX sent notification that ML 's offer had been rescinded because I had failed to act sooner. I was completing a rigorous Master 's program, about which Ms. XXXX was aware, and did not have the bandwidth to deal with her high pressure tactics. After several subsequent emails she gave me until today to settle the matter ; however, she is unwilling to forego the W-9. 

This whole situation has been stressful and time consuming. ML should have reimbursed me as agreed. Their failure to do so has resulted in a significant amount of lost time which equates with opportunity cost.

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 2019-07-31 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/19 my auto loan was removed from credit report dropping my score by -9 pts. Im very angry I requested a dispute for inaccurate balance showing on my report for the auto loan. I didnt ask for it to be removed because it was in good standing. The auto company is Santander Consumer USA. The balance they have on my report is XXXX and my balance is XXXX. I pay my monthly installment on time every month, but its not updating continuously. Please put my Santander Auto Loan back on my report. This is my second or third time disputing the inaccuracies on my account and its not right. I pay my car payment on time, so I should receive credit for on time payments and since the account was removed my score was impacted negatively. Please return the loan back on my credit report ; it was already on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I had a credit card with Barclay. Barclay sold my credit card services to XXXX XXXX.I placed a 0 % balance transfer of {$1600.00}, on XX/XX/2019 wanting it to go to my balance on my XXXX card. The amount {$1600.00} went to Barclay instead of XXXX. On XX/XX/2019 Barclay cashed the check. They will not give me the money to pay my XXXX card. I do not get any help when calling Barclay customer service. They either hang up or transfered around with no help. 
Please Help

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 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America lowered my credit limit by {$800.00} without notice in XX/XX/2019 and caused my credit rating to drop. 
I am currently paying my credit card balances down to rebuild my credit score and my reward is a lower credit score thanks to Bank of America tampering with my credit limit.

4Q Bank of America

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 2019-07-31 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: OH

Complaint narrative:
I paid my student loan for 46 months at XXXX under the extended repayment plan, totaling over {$36000.00}, and I was never offered or suggested to enter into an income based plan. Even as important, when I did find out about an income based plan, I was never told that the 46 months of payments did not qualify towards the 20 years until my loan would be forgiven. This is absolutely misleading and disgusting. I have a XXXX degree in XXXX XXXX and am a XXXX   of my high school class. If I cant properly find my way through the loan repayment process without losing {$36000.00}, then Im sure the majority of Americans are also being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Wednesday, XX/XX/2019 Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

Request for Information, 3rd effort Dear Mr. Cooper, The Consumer Financial Protection Bureau ( CFPB ) has noted, in its Official Interpretations of this provision, that a QWR is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred. See 12 C.F.R. Part 1024, Supp. I, 1024.31.

1. I have asked for your Corporate Policy regarding Fraudulent Loan Documentation on the phone with XXXX XXXX, several times and on several dates, and in writing too - but without any mention of this in any of your replies. 

Please provide me with your policy or deny that you have one. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On or about XX/XX/2019 I submitted a dispute with EQUIFAX about a report of being 120 days late on a payment to DEPT. OF ED/XXXX. I never had any dealings with XXXX. I am unable to contact or address my report that they say is complete. They say I have a 100 % payment history but still have this on their credit report. XXXX   and XXXX have resolved this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
I received call @ XXXX on XX/XX/2019.. the collector asked my for the make and model of the car, I provided the the information and I guess he wasn't paying attention and kept asking me for the correct information. I said I have you that already and advised me that he was speaking to XXXX XXXX and the payment will be there on Friday ... He said I can't document it because he didn't her the unit ... I advised him of the arrangement again, and he stated that if I didn't repeat myself, they will keep calling me calling me ... I repeated the arrangement and then asked for the supervisor.. I explained to her the something, and she refused to document the arrangement. I the received a call at XXXX XXXX on XX/XX/XXXX and XXXX on my work phone XXXX ... for an arrangement that I have to both the collector and the supervisor ... I told them not to call me because the have the arrangement and if they did that I would report the company for harassment ... The response was That is your " discretion ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/19 my auto loan was removed from credit report dropping my score by -9 pts. Im very angry I requested a dispute for inaccurate balance showing on my report for the auto loan. I didnt ask for it to be removed because it was in good standing. The auto company is XXXX XXXX XXXX. The balance they have on my report is XXXX and my balance is XXXX. I pay my monthly installment on time every month, but its not updating continuously. Please put my XXXX XXXX XXXX back on my report. This is my second or third time disputing the inaccuracies on my account and its not right. I pay my car payment on time, so I should receive credit for on time payments and since the account was removed my score was impacted negatively. Please return the loan back on my credit report ; it was already on my credit 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 explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information. 

They used three different numbers to contact me and my family : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/2019 I wrote and mailed a check for {$290000.00} to Loancare to pay down my mortgage on my new home in XXXX XXXX. The sale of my condo in XXXX fell through so I didnt want to use that money for this. I called Loancare and was told not to worry because it wasnt a certified check and it wouldnt be cashed. But it was cashed. Fast forward. After 5 phone calls and 4 hours of being held on Hold Im still no where with these people. My requests for them to wire my money back has not happened due to them not requesting the proper documentation at the onset of my request. It has been 16 days since they cashed my check. Ive sent them photos of both the front and back as requested of the cancelled check and still no results whatsoever. Im frustrated and extremely angry as Im losing interest every day that my money is sitting in their hands. I also need that money right now. 

Four hours of waiting on the phone has not a produced a real live person to get this thing resolved. Ive talked to several people earlier but nothing gets done. Dont think theyre crooks ; just inept. 

HELP!!!

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 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX, I had been out of work and struggling to pay rent and other bills. I contacted this company via email I honestly thought it was a regular loan. I am very distraught the amount was XXXX dollars. I am afraid they may garnish my pay or take me to court. There have been alot of complaints about this comany amplify funding in wisconsin, I am so afraid of what may happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX my wife ( at the time ) and I decided to consolidate our student loans after being married for 2 years. XX/XX/XXXX rolls around and the marriage is ended but the student loans we consolidated our still both of our obligation from the divorce decree. Several years go by without any issues paying the loan from both ends until XX/XX/XXXX or XX/XX/XXXXthe ex-wife started to get behind on her part of the student loan payment. After a couple months of being late I called the company that was handling the loan to discuss separating/splitting the loan. There has been so many sales of this particular loan that I couldn't even tell you at the time who was holding the note. After expressing my concerns to the loan company and pleading with them to split the loan so my credit wouldn't take a hit, they told me this type of loan can't be split. I even suggested paying off my portion and then rewrite up the papers with the amount that the ex-wife owes with just her name on the loan and they said " NOPE ''. Even if I was to payoff my portion of the loan, I would still be responsible for the ex-wife 's portion because they will not take my name off the loan. This is the most XXXX thing I ever heard of, especially when it is supposedly a "

Federal Loan ''. Now it i
s XX/XX/XXXX, the ex-wife is again 3 months behind and I'm stuck paying the payment because I actually care about my credit. I discussed having each of us take out a personal loan or our own monies to payoff this particular loan so we wouldn't be tied together on it. The ex-wife can't afford to do that nor does she have the credit to take out a personal loan to payoff her portion. 
Maybe I should have asked more questions before signing this type of consolidated student loan. It was 15 years ago that we signed this loan, we've been divorced for 13 years. I would think after a certain amount of time passes from signing the loan, the restrictions would be lifted a bit. This the most frustrating thing I've ever dealt with, especially knowing that I can payoff my portion today. The reason I don't pay my portion off is because it does me no good and the loan still shows up on my credit report. I have a credit score of 790+ and I'm ready to ruin my credit score by walking away from this loan. I thought I got screwed during the divorce but this seems worse Nelnet is currently holding the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The Department of Education have active federal student loans reporting on my credit report. I am still currently a student and these loans should not be reporting as a debt. Reporting these balances has lowered my credit so that my credit can not reach a 625. I've had numerous of loans and credit cards that have been paid with 100 % payment history for 7 years. Yet, i can not get approved for a car loan. It should be unconstitutional to report a debt that is not yet owed until the student is finished with college. I still have years before I finish and this is hindering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar Mortgage LLC XX/XX/XXXX Nationstar attempt to collect a mortgage that Nationstar is no longer the servicer. 

I received a notice of transfer of servicing transferring my mortgage from Nationstar to XXXX   XXXX. 
In addition to the transfer of servicing nationstar : recorded An assignment of my mortgage from Nationstar to XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX was recorded on XXXX County on XX/XX/XXXX. 

a letter dated XX/XX/XXXX was file as a response to my complaint with CFPB by XXXX XXXX   servicing asserts that XXXX XXXX DBA XXXX XXXX XXXX is currently the owner of the account number ending in XXXX. XXXX began servicing the loan on the behalf of the owner referenced above on or about XX/XX/XXXX. 

On XX/XX/XXXX I received a copy of a document from XXXX XXXX XXXX requesting the court to schedule a foreclosure sale. The court schedule a foreclosure sale of my property for the XX/XX/XXXX. As asserted in its notice of transfer Nationstar is not the servicer of my mortgage. 
By Nationstar own admission on its recorded assignment of mortgage dated XX/XX/XXXX Nationstar convey, grant, assigns and transferand set over the mortgage and all interest if any. 
Nationstar behavior is unethical as Nationstar is aware that is no longer the servicer of my loan. 

A sale of my property is schedule for XX/XX/XXXX. Please help me cancel the sale so I can pursue my rights with the proper party. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Hello there - This is regarding refinancing my 30 Years conventional fixed Mortgage from quicken loan to XXXX. The closing date, we decided with XXXX was XX/XX/XXXX and disbursement date was XX/XX/XXXX. Everyone was on track including new lender ( XXXX ), me and Title company ( XXXX XXXX ). XXXX disburse ( thru wire XXXX the amount per Pay off + 5 Days more interest on XX/XX/XXXX to quicken loan. Somehow they ( XXXX XXXX ) wired the fund to Quicken crossed the federal cut off time and quicken received the funds on next business day, Monday, the XX/XX/XXXX. 

Quicken charged 3 days ( For XX/XX/XXXX & XXXX ) additional interest one the top of Pay off which we received initially. Being a consumer, I am ending up paying double interest to quicken as well as XXXX ( For XXXX XXXX ) despite being on time from my end. 

I feel quicken shouldn't be taking 3 additional days interest as Title company ( XXXX XXXX ) already initiated wire on disbursement date ( XX/XX/XXXX ) hence I tried resolving with them directly, they said they will not revert the interest for these 3 additional days. Similarly, XXXX already taken 3 days interest for the same period through pre-paid and they are saying that I should reach out to quicken to get my interest refunded for XX/XX/XXXX thru XX/XX/XXXX. 

I do have all the evidence ( such as emails, chats ) that I tried with quicken and it is not resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler has been cited for violating the Fair Credit Act and for filing numerous frivolous law suits against customers. I asked them to cease and desist all current and future collection activity for a bill from XXXX XXXX Hospital. XXXX XXXX Hospital claimed they rendered services to my companion animal when they did not, they caused his needless pain and death and refused to answer all complaints. I therefore disputed the bill and informed their lowlife attorneys to cease and desist all current and future collection activity which they have not respected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I get a credit to be paid in one year without interest to do a dental job on XX/XX/XXXX. I was sending my monthly payment to XXXX for my XXXX XXXX XXXX Credit card, and I sent my last and pay in full payment on XX/XX/XXXX to prevent any interest. ( Check XXXX number XXXX, bur XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX TX XXXX, still sending me bill to pay " previos Balance '' all ready paid. I send them a letter but they say that I mus paid interest from the credit. 

Please help me to resolve this problem and their abuse, because I do not have any balance with them Thank you so much XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief