vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: NJ

Complaint narrative:
I refinanced with XXXX in early XX/XX/XXXX, I have been on an Income Driven Repayment Plan and the Public Service Loan forgiveness plan for the duration. I work as a XXXX. I have called almost every year to challenge their qualifying payments tally which, as of today, is still more than 2 years behind. I receive conflicting information from customer service reps each time I call. Two years ago I was considering a job change and the representative said that as long as I still worked as a XXXX my loan forgiveness track should not be jeopardized. I left a lucrative XXXXl position to work for a small XXXX start up that provides XXXX XXXX for high volume or under served XXXX all over the country. I found out this year that the last 8 months of loan payments I made have not counted because my current employer does not qualify for loan forgiveness. As a small company, it appears, they can not apply for the tax exempt, non-profit status that large, wealthy XXXX enjoy. And so now instead of having about 5 years left of repayment, I have 15 years left of repayment totaling an additional {$250000.00} ( more than a half million in total, not counting the 4 years of repayment to XXXX XXXX before I refinanced in XXXX ). And so as of now the {$180000.00} I borrowed in XXXX in my late XXXX to become a XXXX will cost me more than {$500000.00} well into my XXXX. And now I have to scramble to refinance with another company, or sell my house in order to pay off the remaining {$190000.00} balance -- XXXX XXXX  more than I borrowed almost a decade ago, despite consecutive monthly payments. Mine was one of the first XXXX   classes forced to enter repayment during residency, so we were all on IDR plans and making payments too low to even cover the interest we were generating on our highest interest loans, so every year our principal balance just kept climbing. And then legislation was passed so that we could no longer write off that student loan interest. My loans continue to cost me {$25000.00} a year out of my take home pay, and now the department of education wants to extend my repayment period an extra decade even though the kind of work I do has not changed nor has my salary. This is money I can't save for retirement, money I can't put away for my daughter so that she never has to struggle with immense student debt like this, money I can't spend on home improvements or family vacations. If we told XXXX  students that the penalty for becoming a XXXX was at least a half million dollars paid out over 30 years, I am sure that far fewer American students would pursue XXXX. Which is a XXXX shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
i have disputed this account multiple times with this collections agency. they have refused to provide documents to show any information regarding the origins of this account and have been extremely uncooperative. this account does not belong to me and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a Mortgage with Bank Of America for my home in Florida. I have been advocating to save my home since XX/XX/XXXX when Bank Of America sent me a notice from a Florida Developer that they wanted to buy my home as part of a development buyout of our community. Bank of America did not give me the notice until XX/XX/XXXX but they received it in XX/XX/XXXX. This delay which gave way to me being beyond and objection time frame regarding the sale of my home, therefore Bank of America eliminated my ability to object. 
Bank Of America and their employees caused further harm when they did not accept the Full payoff for my home but instead a very low value. The Home was located in a pristine waterfront yacht community. Florida Law required in addition to my right to object to the sale but also that any first Mortgage is to be paid in full. ( Bank Of America held the First Mortgage and the only Mortgage ) Bank Of America further harmed me when they did not accept the full payoff as required but instead sent my file to another department to charge off my balance and ruined my credit by deliberately sending notice to the credit reporting agencies. 
Bank of America employees to numerous to list including on XX/XX/XXXX XXXX XXXX resolution specialist letter designed to continue to ignore the matters of the complaint and talk about other matters in an effort to sidetrack the complaint.Her summary of research was limited to 2 sentences.The letter was designed to hide many facts including when the developer sent me notice via Bank Of America and who received the notice so not to expose wrong doings by those employed by Bank Of America. 
Because of the lack of proper actions by Bank Of America and their employees we were forced in an unreasonable time frame to vacate our home, boat dock and fire sale our boat and leave our property and community, while Bank Of America gave no thought to our wellbeing after more than 10 years of payments to them while refurbishing our entire home to protect its equity. 
All of our payments were current including HOA fees and taxes. 
All documents and files including letters from Bank Of America will be available with the timelines when all notices were received.

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 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX was sold tranfer to portafolio never did any contract with them They have to XXXX tranfer to them that was already taking out of my credit report Was a fraud open XXXX un see my name and the company tranfer and sold to them portafolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America SUBPRIME Mortgage/Bank Fraud! Need Help! 
Today I was contacted by a Bank of America representative named XXXX XXXX. 
He told me he was calling to collect {$39000.00} PLUS 11 YEARS INTEREST on a Bank of America and Countrywide Subprime mortgage loan, which I am unfamiliar with, on a house I sold years ago. He told me that his company had bought a loan in XXXX from Countrywide Subprime mortgage and started accruing interest on it and now in XXXX, 11 years later, he says Bank of America is demanding I pay them {$39000.00} PLUS INTEREST back to XXXX through XXXX. ON A HOUSE I SOLD YEARS AGO. 
I have never taken a loan out with Bank of America or Countrywide subprime Mortgage. 
An attorney had recommended that I call Bank of America years ago when I sold my home to confirm that I did not have a loan with their bank. 
Bank of America representatives repeatedly told me that there was no loan under my name or social security in their Bank of America system. 
XXXX XXXX of BofA told me today to call the main BofA phone number for an exact payoff, of an amount XXXX XXXX & BofA say I owe them. 
However, once I called the number given the BofA representative could not give me an amount that I supposedly owe. 
This is a clear cut case of Mortgage/Bank fraud on Bank of America 's part. 
A TRILLION dollar bank saved during the recession is taking advantage of the " little guy '' consumer, me. Bank of America has been convicted and settled out of court for mortgage fraud. This is simply another case off the same. 
I am a XXXX Veteran and do not have the income or money to defend myself against this corruption, nor do I have money to pay Bank of America what they say I owe them. Please help me. 

Thank you, 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 explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-25 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: CA

Complaint narrative:
I got {$2500.00} loan from XXXX XXXX XXXX in XXXX XXXX Ca, about 1995. But before the semester was over, I got injured at work so I could not attend any of my clauses any more that I notified them right then. few years later a man name XXXX XXXX from collection agency was calling about my student loan which was several times a day harassing me, saying " he will put me in jail if I don't pay up ''. I did not have any income but I agreed to settle with less and pay up in two payments. I sent them a cashier check for {$1100.00} and I supposed to pay another {$1000.00} in a 2 moth to settle the full amount. But right after a week I was getting bills and calls from them for the amount of over {$4000.00} that I am still paying it that every so often it goes back to the {$4000.00} again. is there any way we can wipe off?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The fees of the company seem Highly inflated and every time i've called to get more details on the fees of my loan, the representatives can not fully explain the breakdown of the charges. The maturity date on my autoloan is XX/XX/2018. I have had 3 payment extensions during the 60 month term of the loan. My monthly payment is {$420.00} so therefore my loan balance should be around {$1200.00} but instead the balance is {$3200.00}. My auto loan was also transferred from XXXX to Westlake Financial about 30 months into my loan and without my consent. 

Furthermore, the original amount financed was {$13000.00} yet, as of today I have made {$21000.00} in payments and STILL have another {$3200.00} before the loan closes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My father died on XX/XX/2017 and since XXXX I have been trying to close his banking accounts at Wells Fargo. I have called several departments, been transferred over and over, spoken to supervisors and literally been on hold for hours. 

As the estate administrator I have all of the required documentation and have offered to fax or email the documentation but they insist on me going into a branch office. The closest Wells Fargo office is three hours away, one way. In the meantime they certainly don't mind charging a dead man 's account service fees month after month. 

Extremely disappointed and disgusted with WELLS FARGO!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo used my escrow account to pay my neighbors property taxes for 2017. My neighbors property is larger than mine causing my escrow payment to increase unexpectedly. Once I discovered that my property taxes were not being paid months were spent trying to get an answer from wells Fargo, and was constantly told that they were paid and they could do nothing about it. After discovering and informing wells Fargo that they were paying my neighbors taxes with my money no progress was made unless I called in weekly. I was not reimbursed the full amount I overpaid.

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 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been a member of a group for those who are recovering from bankruptcy. The name of the group is called XXXX XXXX XXXX, and is run by a man named XXXX XXXX. 

In XXXX of XXXX, XXXX sent an email solicitation for a 1 on 1, face to face, lunch meeting with him in XXXX, GA ( XXXX ) to talk about anything we wanted for {$500.00}. We were to send XXXX 3 dates between XXXX a XX/XX/XXXX. 

A few weeks after signing up, I had major XXXX, and was unable to send dates due to complications which lead to hospitalization. 

When I returned to work, I reached out to XXXX on XX/XX/XXXX, I reached out to XXXX via email informing him that I had had XXXX, and was just getting back into the swing of things. I asked about my 4 hour session and received no response. 

I reached out again on XX/XX/XXXX. This time XXXX replied that I had missed the date, and that I could maybe take advantage during XXXX, and XXXX XXXX 's later this year. I advised XXXX that, that does not work for me, and asked for a refund of my funds. 

He then came back and offered me a 2 hour session, via telephone. I advised him that I had paid for 4 hours, face to face, and that was what I wanted. I again requested a refund, and received no response. 

On XX/XX/XXXX, I reached out to my bank, Bank of America ( BOA ), and requested a chargeback of my funds. The following day, XXXX and I literally had an email war with him threatening me, and telling me he would get his money back. 

At this stage, I do not want to have a session with him at all! I inform my bank of the same. 

At any rate, on XX/XX/XXXX, BOA notified me that they would be reversing the chargeback on XX/XX/XXXX. Their decision was based upon documentation the merchant provided indicating that the service was rendered and available to me. And, that per the documentation the Merchant has a 30 day money back guarantee. 

In response to BOA, my argument was that I have yet to the receive the services, and the so called items that were supposed to come along with it. The merchant is back to being unresponsive, and the documentation he provided them stating a money back guarantee was bogus, and contained information for XXXX, Colorado, not XXXX, Georgia. 

Furthermore, I have since discovered that this man is a con artist who has been conning consumers for years now by offering services, etc ... and never providing them, and when he is sued, he files bankruptcy. 

I also provided BOA with the websites where I found some of the disturbing information I discovered about XXXX XXXX. 

The first one is XXXX, and, the second one is ... 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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD banks cash machine is shorting eople out of their money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following item to be error. Here as follows are item in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Card Date- XX/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to my address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

. 


:

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 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
ON XX/XX/XXXX I ORDERED A XXXX XXXX XXXXXXXX ITEM # XXXX AND A 24 MONTH XXXX SUBSCRIPTION TOTAL XXXX ITEM WAS LOST IN TRANSIT COULD NOT BE FOUND I CANCELLED THE ORDER I WAS GIVEN A CANCELLATION # XXXX NOW I AM GETTING BILLED FOR THE FULL AMOUNT I TRIED CALLING XXXX FINANCING WHICH IS TD BANK THEY TOLD ME TO MAKE MY PAYMENTS ON TIME TILL THEY CAN STRAIGHTED THIS OUT WHY SHOULD I MAKE PAYMENTS ON SOMETHING I NEVER RECEIVED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: VA

Complaint narrative:
I got declined 3 times because of experian credit scores its almost 100 points deferent from XXXX credit reports. I dont understand why is the big gab I did file to remove some stuff that shouldnt be there not even a return mail to explain why?

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 2018-04-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Divorced XX/XX/XXXX. Prior to the marriages end, we had joint checking, savings and a line of credit attached to the checking account number. My wife and I meet at the XXXX, NY. Chase Bank managers office for the purpose of removing my name from the joint accounts, transferring account numbers to a single ownership account. At time of transfer my credit rating was XXXX points. Six years later, I began to notice a drastic decrease in my credit report number. I didn't think much about this drop, due to fact that all accounts where closed with no debts owed ( mortgage, vehicles and credit cards paid in full honorably ). In XX/XX/XXXX I applied for a XXXX credit card, it was denied by Chase bank. I never received a notice of nonpayment, collect, or default. I never received notice from credit reporting/collection agencies. I contacted Chase bank, I was told account closed, and was charged off. I no longer had legal access or control over ex-wife 's personal/private affairs. Chase gave me no warning, because I was not a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: VA

Complaint narrative:
PMAB LLC has acted with malice intent to destroy my credit without making any attempt to contact me in regards to the two accounts they are reporting to all three bureaus for the amount of {$290.00} and {$330.00}. PMAB LLC has violated the FCRA and the FDCPA. I have contacted PMAB LLC by mail on XX/XX/XXXX and a certified letter on XX/XX/XXXX in which PMAB LLC signed for the letter on XX/XX/XXXX @ XXXX. PMAB LLC did not notify the credit bureaus that I was disputing these accounts and they have not contacted me back in regards to either letter that was sent. I have a print out from the original creditor going back to XX/XX/XXXX stating I have a XXXX balance to date. This is not my debt and it needs to be removed immediately. PMAB LLC has acted in a very malicious way by not contacting me to begin with as I am victim of identity theft, by ignoring my letters requesting validation while continuing to verify these debts are mine with the bureaus when in fact they are not mine and this is against state and federal law. Remove these two erroneous accounts immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX and was presented a Fact Report saying that the car was being sold because it had only one rear end accident, however after having to purchase 2 tires in 4 months and thinking having a front end alignment. Was told by the repairman the car had a bent frame the results of a front end collision, needed to have repaired. However could not having a {$460.00} monthly note. Asked for a note extension was denied by Bridgecrest Financial wanted to work problem out but requested extension was denied. Car was purchased from XXXX. please

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