vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened. 
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: KS

Complaint narrative:
I recently applied online for a personal loan with Discover Bank to help consolidate my credit cards. After checking my credit, I got a message congratulating me on being approved for a {$20000.00} loan. They allowed me to choose the length of the loan, ( 48 months ) and Discover set the loan at a 12.99 % interest rate. Discover then asked how I wanted to receive the funds, by mail or direct deposit, and to list any creditors I wanted them to pay-off on my behalf. I filled out of that information and was told to expect the funds within 3-5 business days. Then as a final step to verify terms and conditions, I spoke with a representative, who asked very intrusive questions on why I needed the money, and why did I use my credit cards to pay for gas and groceries instead of using cash. 
After 30 minutes on the phone it was clear that I was being made to apply for the loan all over again, and was made to feel like I was begging for free money instead of money I would be paying back at a high rate of interest. 
Today, 3 days after applying, I received a letter in the mail saying the loan was denied because of " Excessive bank card balances and usage '' That makes little sense when the whole purpose of the loan was to consolidate credit card debt, which they knew from the very beginning before I got the message the loan was approved. 
I feel this is a case of discrimination because everything was fine and all set until I talked to the Discover representative on the phone at length, and he realized I am XXXX. My credit is good and I pay my bills on time every month, so why was a loan that was already approved suddenly not approved?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
A debt collection company Known as Credit & Collection Recovery Services, INC. also known as XXXX called me and was very rude and harassed me. They said I have two accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I firmly believe that Navient has been scamming me out of money for many many years. I was actually never given notification that XXXX XXXX had been taken over by Navient, which I found extremely odd given the amount of debt I owe. You would think the company would reach out even by letter or e-mail to let you know they were taking over thousands of dollars in student debt. Looking over transactions since XX/XX/2008, I 've noticed some very questionable business. Not only have my loans grown by thousands since I 've been paying for the past 8 or so years consistently ( over {$400.00} ) but the payment history is never consistent on their end. There are certain months where only {$1.00} is applied to my principle balance, and the remaining {$420.00} is applied to interest alone. The interest and principle payments are never consistent. The interest payments range from $ XXXX-over {$400.00} per month ( with my minimum payment resting at around $ XXXX monthly. ) My loans are split into XXXX separate ones based off semesters, and my highest interest rate is 10.5 %. However, a {$10000.00} loan is now sitting at over {$13000.00} EIGHT years later. I 've had multiple calls with Navient where they will not allow you to overpay on a loan in order to pay it off. They actually have said over the phone that they can not take a payment higher than {$500.00} at a time, but they will gladly put your loan into deferment or forbearance. This option is offered when trying to OVERPAY on student loans. If you make an extra payment online it automatically goes toward interest, which they also fail to explain online or over the phone. I 've been told in order to pay extra on the debt I must write and mail a letter stating the extra amount is to hit principle alone, and that it is still not guaranteed. I 've held credit cards, car loans, and other forms of debt that I 've had no problem paying. I work XXXX jobs consistently in order to make sure my student debt does not fall behind. While I 'm taking steps to pay off this debt in a reasonable time frame ( I will be XXXX in one month ) Navient makes it nearly impossible. Please explain to me how a debt can have a MINIMUM payment of over $ XXXX monthly, no consistent paper trail, multiple " fees '' that are n't outlined, and a significant increase in total debt owed after almost ten years of consistent repayment? I believe I 've paid over {$30000.00} in interest alone over the past 8 years, and I 'd like some answers as to how that makes any sense when dividing my interest and principle balances owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Asset Acceptance, unbeknownst to me, sued me and won a judgment by default against me this week on a debt that is 9 years old. I no longer reside at the address they have on file, which is partially incorrect as the address they disclosed lists my address as an XXXX even though it is a residence. I was not properly informed by this company of them attempting to collect a time-barred debt and only found out today when I received a notice from the county clerks office sighting an involuntary lien document recorded against me this month. This company once again is violating the FDCPA law by sueing debtors on time-barred debts and winning judgements by default against these debtors due to lack of proper notice. 

The claimant/creditor is ASSET ACCEPTANCE LLC XXXX MI. XXXX TELEPHONE- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was improperly charged overdraft fees {$36.00} on my bank checking account on XX/XX/2017.

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 2017-03-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Our computer stopped working with a number to call to clean it. We were talked into placing {$290.00} on our Bank of America card payable to XXXX and they would clean the scam off of the computer. We contacted Bank of America the next day to not pay the charge as by that time we realized it was a scam. We were told by Bank of America that the charge had not posted yet so it could not be disputed, to call back. We have called a number of times and supplied documentation from a computer repair co. as second opinion that this was a scam. Bank of America has paid the scam co. and can only suggest that we contact them for a refund. We do not want anything to do with this scam co. and are very disappointed that Bank of America paid this charge even after we requested that they do not. What can we do now?

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America improperly processed at least XXXX on-time payments in full. As a result, they charged me nearly {$79.00} in unlawful fees. The evidence overwhelmingly proves that XXXX payments, with correct account numbers, were made before the due date. BoA failed to process them and can not explain why. BoA stills owes me nearly {$79.00}. BoA 's argument is disjointed and contradictory. On one hand they claim they can not locate any checks and on the other they claim the checks contained incorrect account numbers. Which is it? The alleged {$29.00} credit was made and later retracted. Thus no reimbursement occurred. They still owe me approximately {$75.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Earlier this year back in XX/XX/XXXX or XX/XX/XXXX of this year I made contact with General Revenue Corporation in regards to a debt I owe XXXX University for a semester 's tuition. I called General Revenue to set up a payment plan in regards to the debt I owe. Initially when calling them General Revenue asked for the full amount of {$3100.00}. I do not know the exact dollar amount, but it is an amount I nor no one I know has the funds to pay. Under the XXXX of the constant past phone calls and letters in the mail I went with the payment plan option I was offered. The plan was for an amount of {$190.00} to come out bi-weekly. Once I realized my mistake I immediately called back General Revenue to if not delete the payment plan negotiate for a much smaller amount that will not affect my bank account so heavily. Unfortunately I was too late everything was finalized and nothing else could be done outside of paying the full amount. 

The next day I immediately went to my bank to block access to General Revenue so the funds would not be taken from my account. I put an ACH withdrawal stop so the funds of {$190.00} would not be taken out as payment. Unfortunately earlier this week in checking my bank statements I could see a check had been cleared in the amount of {$190.00}. I called my bank to see why this had occurred and was informed that it seems the money was pulled directly from my checking account and not my debit card. At which point I realized I had mistakenly setup the payment plan with General Revenue using my checking account number and not my debit card.

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 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Lenox Financial Mortgage Corporation
State: CA

Complaint narrative:
This is a technical issue regarding listed borrowers on a XXXX Mortgage interest statement ... ... I 'm aware and comfortable that only one designated ( listed as primary ) borrowers tax id number can be listed on this statement My issue is with Lennox Financial Mortgage Corporation saying they are not allowed to list multiple borrowers under the Payer's/Borrower '' s name ... ..I have previous and current years examples of other lenders listing multiple names on this form

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
submission # XXXX SELECT PORTFOLIO SERVICING INC. 1. XX/XX/XXXX forwarded debt validation letter to select demanding claim and ownership of note.forwarded copies instead of originals as demanded. SELECT representative suggested I may come to their office in XXXX Utah to examine the originals. since then on XXXX occasions notices have been placed on my door in spite of cease and desist until debt is properly validated. 2. ) XX/XX/XXXX RESPA QUALIFIED WRITTEN REQUEST forwarded by certified mail Select representative responded with refusal to answer all questions explaining some of my questions will not be answered because some my questions are overly broad or some of my requests will not be answered because of propriety and confidential information.3. ) response forwarded with an enclosed affidavit to representative XXXX XXXX demanding a response in her private capacity under penality of perjury have yet to receive the affidavit or a response.4. ) certification of non-response/non performance forwarded and presented XX/XX/XXXX to RESPA letter with NOTICE OF FAULT IN DISHONOR 5. ) CERTIFICATION OF NON-RESPONSE/NON PERFORMANCE and NOTICE OF FAULT IN DISHONOR forwarded XX/XX/XXXX to debt validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Money is transferred from Bank of America in New Jersey US to XXXX ( XXXX XXXX : XXXX ) in XXXX XXXX for {$9900.00} USD. Even after 14 calendar days money is not deposited into the destination account. Complaint is filed to trace with Bank of America and waiting for their reply and will contact them in another 3 days to check on the status

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 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Issue # 1 ) I 've requested to receive written communications ... everything is still sent electronically. I want a paper copy of EVERYTHING that happens with this company sent to my home address. Issue # 2 ) I requested a consolidated transaction history of all loans sent to me. I 've requested 5 different times. I have yet received a consolidated history. Issue # 3 ) ... and the most important. I 've called 5 different times to receive an answer and written evidence. A reversal on my account for XX/XX/2016 appears for XXXX but was never refunded. On XX/XX/2016, the same thing occurred. I was told there was some magic transaction that money was returned to the FED. But I 've again and again requested evidence that this was the case. Nothing!!! No written letter. Instead, it 's been some customer service agent reading notes on my account and guessing. It 's {$3200.00} ... I want proof of what happened. Otherwise, I think the company frauded me out of my money! Lastly, why was {$370.00} applied to interest on a payment of {$1100.00} made on XX/XX/2016. I make a monthly payment each month. I would say I make the minimum but I do n't know since I DO N'T RECEIVE THE XXXX STATEMENT!!!! I 'm told there are XXXX different loans and they all do something different and I sent my payment to the wrong address. AGAIN ... .I DO N'T RECEIVE THE XXXX STATEMENT!!!!!! Navient has messed my loan up so badly. I want a full accounting of my payment history on all my accounts. I want a printed copy sent to my home. I want {$3200.00} credited to my account that was stolen. I want all future communications sent to me in writing. I want an summary of the account loan and terms sent to my home. I want an explanation of the amortization schedule and P & I requirements. I want to understand what is happening with my loans. I work for a XXXX ... .I have for 10+ years. This is fraud and trickery abound here!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I was also forced into forebearance, not offered alternatives and have been paying loans for 10 years with no tangible result. High interest rates, capitalized interest, and mucky repayment structures dont allow a borrower to understand their debt and optionns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan servicer is navient. About six months ago I paid off entirely an unsubsidized loan. Furthermore I matriculated at a university and so my subsidized loans went into deferment. Today I received communication by email for the first time since the loans went into deferment, including for some reason a notification about an unsuccessful application for autopay which I never submitted as I am still a student. Even more absurd is that when I logged into my account my unsubsidized loan had a balance and the balance on other loans had increased. As absurd as that is I was not even notified about any of this. This company 's conduct is despicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Fusion Auto Finance
State: NY

Complaint narrative:
Fusion Auto Finance is engaging in fraudulent business practices. XXXX XXXX works with Fusion Auto Finance to hold the title for leased and owned vehicles. I leased a vehicle in XXXX 2013, with XXXX XXXX referring me to Fusion Auto Finance. I am 2 months away from lease end, and a dealership wants to purchase my vehicle. The payoff amount ( to buy the car outright ) with loan company is {$17000.00}. Since Fusion is the holder of the title, they are arbitrarily and fraudulently raising the price to {$20000.00}, without any explanation as to why the price is being increased nearly {$3000.00}. Spoke with Fusion, who is based in both XXXX XXXX New York and in XXXX Texas. Their contact information for certain employees go to bad numbers. The New York Banking Authority has NO record of them. They are engaging in fraudulent activity and this must be corrected. The dealership could not buy out my vehicle because Fusion was charging nearly # XXXX over the loan price, without any explanation.

Company response to consumer: Closed with explanation