vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: CA

Complaint narrative:
I have been trying to work with my student loan servicer to request a retroactive bill be created for two months that I was placed in forbearance, that was not requested and without my knowledge or permission. One date was in XX/XX/XXXX with a prior loan servicer, and the second for one day in XX/XX/XXXX when my loans were transferred to another loan servicer. Because of this, it caused me to miss two payments that would have otherwise been counted towards my 120 payments under the Public Service Loan Forgiveness program. Additionally, my loans were in automatic payment and significantly lower in XXXX and XXXX than they currently are because of my repayment plan under the Income Based Repayment plan. 

I requested a manual recount to attempt to correct my payments in XXXX, which were updated in XX/XX/XXXX. My payments were significantly off following the recount, and I requested a subsequent manual review through XXXX in XX/XX/XXXX ( XXXX with XXXX XXXX and XXXX XXXX ). After not hearing back for several months, I contacted FedLoans again on XX/XX/XXXX and told that my request had been changed to an Escalated Review Case # XXXX. My counts were reviewed updated on XX/XX/XXXX, however, there was no retroactive bill created for the involuntary forbearance dates. 

I contacted the FedLoans ombudsman on XX/XX/XXXX ( XXXX XXXX ) who reopened my case # XXXX and notated it as a Second Level Review. I was told that my case would be reviewed and that I would get a response in approximately 7-10 days. Additionally, I have uploaded documentation to show the dates placed in forbearance, as well as bank statements from XX/XX/XXXX and XX/XX/XXXX to show that I was making automatic payments deducted monthly at the time. As of today, I have still not received any correspondence about the status of my request. Including the two payments that would have counted in XX/XX/XXXX and XX/XX/XXXX if not for the non-requested forbearance that I was placed on, I would now be at 120 payments for nearly half of my student loans and able to apply for forgiveness under PSLF. In addition, I will be two months away from applying for forgiveness on the rest of my student loans. 

I have been making and tracking my student loan payments for 10 years now, including annual XXXX recertifications and numerous employment certifications, and hoping to correct this to be able to apply for forgiveness as promised. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX A ) XXXX {$3400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX {$2700.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX {$1400.00} XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX. Im a US retired  veteran with XXXX discharge. I have a checking account with citibank. my account number is XXXX. Citi has frozen my account and thus, denying access to my funds as a result im facing XXXX as i cant pay rent and other bills. I called several times and they are very rude. Telling to wait for a imaginary letter that never comes. The reps are not Usa based and never really help you. I have children with and i also suffer from XXXX. This is making my situation worse. I researched online and found multiple people with the same problem. They even faced a class action suit in New York for freezing customer accounts with out proper cause. CFBP should look into this problem thats affects many americans.

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 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 payment was made in the amount of {$2000.00} for my auto payment.On this day my balance should had been reduced and updated to the credit bureaus to {$40000.00}. On XX/XX/2021 the balance was updated to owning {$43000.00} to XXXX Credit Bureau, XXXX {$43000.00} with my last payment being XXXX XXXX, and XXXX has not been updated for 2 years. I put in a dispute with the credit bureaus and XX/XX/XXXX XXXX the balance came back the same for 3 months ; XXXX and XXXX updated the balance as {$43000.00} even 12 days after I made an additional payment. PNC bank has repeatedly ignored reporting my account paid on time since the very beginning of my XXXX loan by miss applying my payments and labeling my account 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal refuses to refund my {$78.00} from a company called XXXX XXXX XXXX XXXX. This is a fraudulent company and PayPal is very well aware of this. This shows PayPal and this company are working together scamming people. 

Ordered XXXX XXXX hair wigs and when I received my ordered, the items were nothing I ordered. 

Filed a complaint with PayPal mentioning the company need to send me a prepaid shipping label, to return the items. The company do not want to send the prepaid shipping label only solution they provided is partial payment, that is not a option. 

XXXX XXXX XXXX, XXXX not wanting to send a prepaid shipping label is very suspicious. 

Founded out I'm not the only one that had the same problem with PayPal and this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Since XX/XX/2021, I have been charged {$420.00} in NSF and Overdraft fees. I lost my job a few months ago, and am still actively interviewing/applying and aggressively searching for work. I havent been able to keep up with my negative checking account balance that keeps getting bigger and bigger each week due to these fees, and in addition, cant afford my credit card payments. My credit has tanked, and at this rate when I do secure employment again, most if not all of my paycheck will be going towards these fees alone. In addition, I receive upwards of 5 calls every day from different numbers from BOA about my negative balances, even though when I initally received these calls I spoke with an agent 2 different times explaining my situation and asking them to reverse the fees, which they said they could not. I have been a loyal BOA customer for over 5 years now, and for all 5 years, up until now, I never missed a credit card payment and always paid my entire balance in full. I am overwhelmed, terrified, and cant get approved for absolutely any credit cards for balance transfer to try to get ahold of this debt. Also, I can not be approved for absolutely any personal loans that do not have an interest rate upwards of 100 % or more.

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 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was made aware of an authorized wireless transaction through XXXX  of {$590.00} on XX/XX/2021. 
I immediately contacted Jp morgan chase and filed a fraud claim. On Tuesday XX/XX/2021, they notified my through letter stating that my transaction was authorized. It most definitely not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX XXXX Credit Card XXXX by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I contacted Bank of America to figure out any solution to recover my credit card and the unused reward points on this card in XXXX and the initial agreement between me and the agent is that it is not possible to reopen my account but BofA will issue me the points value in money and send me a check. After a long period of time, there is no follow up from BofA until I create a claim in cfpb. BofA close my case on sided without contact me with any solution. We had conversation in XXXX after I submit my feedback but the latest response from BofA is that it will not reopen my account or give me money back for the losing reward points.

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 2021-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
Hi On Sunday XXXX the XXXX. 2021 between the hours of XXXX - XXXX ( XXXX  ) i called ( XXXX ) way2go program which is under XXXX XXXX  and selected 7 to get the result of my dispute but they do not provide any service and keep saying that he/she will transfer me to the dispute dept..even though i already selected the dispute dept ( button 7 ) and make me wait forever with no answer. After that day i have been getting the same treatment for 5 days regardless on my every day/ night calls Apparently they are just lying just get rid of the call. 
My dispute file number : XXXX The amount is XXXX $ Best regards XXXX XXXX. 


Sent from my XXXX  By XXXX XXXX XXXX XXXX Device XXXX  for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened Amex Hilton card in XX/XX/2020 and upgraded it to Amex Hilton XXXX XXXX in XX/XX/2020, which includes a benefits of {$250.00} XXXX XXXX credits for each membership year. From my understanding, the membership year begins in XX/XX/2020 but Amex states that the start point is XX/XX/2020. The condition for the Hilton XXXX card states " Your first reward year begins on your account opening date. '' which doesn't clarify the meaning of the account. Since this is the terms and condition of the XXXX card, it's naturally to think the account stands for the Hilton XXXX credit card account but not the Hilton credit card account. American Express didn't provide any explanation or reminder of the expiration date of the credits and refused to recover the credits for the customs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
While traveling in XXXX with my wife, I needed to send funds to her so we could pay for her hospital bills the totals of which are more than {$20000.00}. On XX/XX/2021 I received a letter from JP Morgan Chase requesting me to contact them because they needed information from me to keep my account safe. After contacting them, they told me that there was nothing I could do but that my account had been terminated after nearly 18 years of being a customer of JP Morgan Chase. 

JP Morgan Chase froze my account, blocked my cards and locked access to my account and they left me stranded in XXXX without access to more than {$100000.00} of my money- all while my wife is in the hospital requiring XXXX  which I can no longer pay for. 

They sent me a letter saying I hadn't provided them with any information they requested - when they didn't request any information. They said, give us information and we " may '' be able to keep your account open - but when I called Chase to talk about it they said the account was already closed. 

The emotional stress of not being able to eat, pay for a hotel or my wife 's hospital bills for XXXX is insane. I can't sleep and have a hard time eating while JP Morgan Chase left me penniless in a foreign country without access to a substantial sum of my money. 

JP Morgan Chase shouldn't be allowed to simply freeze a person 's account because they are XXXX  about XXXX. I grew up in an America where people had the right to life, liberty and the pursuit of happiness. How they can simply close an account after 18 years and leave a person stranded just goes to show how awful they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my card and was unaware of it being gone until I logged into my capital one account to over {$4000.00} worth of charges all via XXXX. I filed a dispute on all of the charges with capital one that same day. I also received packages on my doorstep and upon trying to return them to XXXX was told that I was not able to because they were not made with my personal XXXX account. Within 2 weeks, the charges were back on my account and I was notified that XXXX gave sufficient evidence that I was involved in these purchases because my address was used for shipping ( and so was my name but it was misspelled ) I called capital one asking to appeal this decision that they made in favor of XXXX and was told that they simply do not have an appeals process. Whats done is done. So now Im being held liable for {$4000.00} worth of charges I did not make and stuck with items I have no use for. Theres no evidence I can give them to change their decision and theyre extremely unhelpful. I will be closing my account once Im able to finally pay off this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Last year Quicken Loans/Rocket Mortgage over-withheld for my Property Taxes by 78.4 %. When they re-calculated my mortgage payment, they kept the same payment even though the allocation for property taxes were 78.4 % above the actual number. 
I questioned them by email ... attached. The robotic employees would not give me any satisfaction when I questioned the number ( they hide in their " XXXX XXXX '' ). 
**See attached email** This year I just got my property tax bill and it shows that Quicken/Rocket Mortgage once again dramatically over-withheld for my property taxes to the tune of 45.8 %. Now granted that is an improvement, but that by far exceeds the legally allowed excess of two months extra of my escrow which would be $ XXXX x 2= {$1200.00}. The excess is about {$2100.00} or about 68.4 % above the allowable legal excess as I understand it. Granted it is better than last years 146 % in excess of the legal allowable excess ( {$3100.00} excess vs $ XXXX escrow or {$1200.00} for 2 months ). 
Can you help? 
This is a blatant violation and I imagine they are doing this to thousands of people!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
The evening of XX/XX/2021 I used a XXXX XXXX ATM to deposit cash I had taken out to buy a lawn mower private party, but the deal fell apart. Anyway I withdrew {$5000.00} that day and because I didnt buy the lawn mower I wanted to put the money back in my account as soon as possible. The ATM was # XXXX the time on the ATM receipt is XXXX. ATM location XXXX XXXX XXXX, XXXX WI. Ive used this ATM before because its less than a mile from my house and Ive used it to deposit cash before and as many as 40 bills as the machine advertises it can handle. I counted 40 XXXX bills and proceeded to deposit them in the ATM the ATM began counting the bills and once it got to 9 it stopped and presented an error message stating it would basically be not returning my deposit and that I should contact my financial institution for support. A little after this message presented itself on the screen the ATM printed a receipt and gave me my card back. For the next 4-5 minutes I sat there stunned listening to the ATM gears turning inside the machine and the ATM was unusable. Eventually the ATM became usable again so I decided to deposit the remaining {$1000.00}. This would allow me to check if my {$4000.00} was stuck in the deposit slot as well as confirm I deposited 40 XXXX bills and not 38 or 39. The second deposit went through without issues. This confirms I counted correctly and proves the first deposit had 40 bills. I have contacted BMO Harris bank and do have an open investigation with them, but this is ridiculous and I cant believe this can happen. If this happens to more people I want it documented.

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 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: CT

Complaint narrative:
My personal consumer information is being distributed without my consent. This company is harrasing and alleging I owe Them a Debt.ERS and agent XXXX XXXX are in violation of title 15 of the FDCPA, CFR, and FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Caine & weiner fails to honor my rights as the natural person, Consumer, and Original Creditor. 
I demanded a cease and desist. Also I demand all 3rd party agencies refrain from sharing my personal consumer information. Caine & Weiner is in violation of chapter 41 Title 15 of the United States Code, The FDCPA, and XXXX. Their bad faith efforts in reporting an alleged debt owed by me is causing damage to my persons and hindering my pursuit happiness.

Company response to consumer: Closed with explanation