vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc.
State: RI

Complaint narrative:
XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  Prog Fin Srv   XXXX   XXXX    XXXX   XXXX , AZ  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account  XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.   I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business Bureau

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 2017-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had merchant services with Bank of America for a credit card terminal for my business. 2 years ago, we decided to cancel this service and go with another company.  BofA  advised that I need to return my terminal equipment and my services will be cancelled. I returned the equipment as they advised.  <P/> Just recently, I was going through my bank account statement noticed that every month  BofA withdrew two separa te payments of {$19.00} and {$20.00} from my account. I called them to ask what this is, and they said that this is for the merchant service terminal that I currently have, even though I have n't had this service for 2 years. I told them that I returned all my equipment, and that it should automatically be cancelled once they received it. They advised that after I returned the equipment, I was supposed to call them and personally tell them to cancel the service, even though they never told me this. How does this make sense? If I do n't have your equipment nor your service, how are you still charging me for leasing your equipment? This is the same thing as leasing a vehicle, returning it when the lease is up, but they still charge me every month for the vehicle because I did n't call them to cancel it. This is FRAUD.  <P/> I spoke to many different people from  BofA, includin g supervisors and managers. A lot of them were silent and could n't give me an answer because I 'm sure they knew it was illogical. They just kept repeating that I should have called them and cancelled. Some even said that  XXXX   XXXX  ( the terminal company that BofA uses  )  is the one who 's been charging me, and not BofA. I called  XXXX   XXXX  and they did indeed see the charges, but confirmed that it was BofA sending the charges. So we conference c alled BofA  with  XXXX   XXXX  and they exp  lained to BofA that this was Bank of America sending the charges, and BofA agreed.
<P/>  BofA finally can celled ( last month in  XXXX  ) th e services that I never had for 2 years, but I need them to refund me all of the money that they 've been withdrawing from my account in the past 2 years. This is fraud. They 've literally been stealing money from my bank account for services I never had. This is similar to the  XXXX   XXXX  case, and will not be tolerated.  <P/> I will take this to court if it 's not resolved here. This is unacceptable.

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 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I want to see if there is any way I can qualify for the  Public Service Loan Forgiveness Program.    I consolidated my federal student loans in  XXXX . I have made income based repayments since that time and have been continuously employed by state government since  XXXX . When th e PSLF was  enacted in  XXXX , my loan servicer did not make me aware of the PSLF program. Had I been made aware of the program, I could have reconsolidated my loans into  a Direct Student Loan and w ould then be eligible for forgiveness of the remainder of my loan in  XXXX ,   XXXX  . I believe it was unethical for my loan servicer to withhold this information from me and, with the help of the cfpb, I am hoping all those borrowers in my situation will find relief - either directly through the PSLF program of by holding our loan servicers accountable. Please let me know how you can help and what other steps I can take. I have about {$80000.00} in outstanding  XXXX  school loans which would be eligible under this program.   Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Systemic bait-and-switch operation with SoFi and offered interest rates. <P/>In XX/XX/XXXX, I applied for a refinance loan of {$26000.00} on the remainder of my Federal Student loan balance. In the application process I provided my requested information including my current annual income of {$120000.00}. They pre-approved me for a 5 year fixed loan for the amount requested at a rate of 3.99 %. I applied for the loan and provided requested pay stubs for income verification purposes. These paystubs from the end of XX/XX/XXXX showed year to date income of {$51000.00} which I used to calculate the annual income I submitted with my application of {$120000.00} scaled for 12 months. None of this income was bonus or commission type income and was all directly related to my profession and work as a XXXX XXXX. <P/>SoFi told me that they would not accept this income for verification purposes implying that a portion of my income would be treated like bonus or commission type income for which they ask 2 years of prior XXXX statements. Specifically, approximately {$40000.00} of my current annual income out of the {$120000.00} is regular XXXX reported taxable income ( not XXXX ) from picking up extra shifts at the XXXX ( not overtime and commonly referred to as " moonlighting '' in the XXXX XXXX ). I do n't believe a reasonable consumer would believe that this is bonus or commission type income, and there is no information available that would suggest this type of income would be treated differently for verification purposes in the application process ( SoFi does specifically mention bonus or commission type income on their website though ). <P/>SoFi then tells me that they would no longer be able to offer the rate of 3.99 %, but that the good news was that they were still able to conditionally approve me at a new 5 year fixed rate of 5.115 % ( 28 % higher than the 3.99 % rate they had pre-approved me at ). <P/>At that point I was thinking, oh well, SoFi as a private company can set whatever standards it wants for its lending as long as not discriminating or breaking other laws. But then I read other reports on the Consumer Financial Protection Bureau website and found that many others reported similar experiences of being pre-approved at one low rate, and then experiencing some type of difficulty in the application/verification process outside of what a normal/reasonable consumer would expect and then being told of the good news of being offered a higher interest rate than the one they were pre-approved at. This higher interest rate is offered after the consumer has provided their protected financial information and authorized a hard credit check ( which hurts their credit ) and SoFi can then share/sell/use this financial information in a proprietary way while not honoring their marketed or pre-approved rates in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On   XXXX    XXXX   2017 , I used my debit card at a gas station around  XXXX . I then headed to work where I stayed until the evening. I have a signed document from my boss confirming my hours. My card was with me the entire time and can be proved since I used it a couple times while in the area. By about  XXXX  there was a " balance inquiry '' made at a random ATM on the other side of town which we know of bc we were charged a {$3.00} fee. By late afternoon/early evening there were  2 mone y orders taken out of our account for {$700.00} each and were picked up at the sam e location ( post office ). We have copies of the signed money orders ( 2 different signatures/names ). Our checking account was completely drained, we called Suntrust and they refunded us the {$1400.00}. We thought all was well. Then about a week later we received a letter saying they were t aking the money back. We were astonished and confused. For weeks they refused to tell us why. They said that the  " investigator '' re ported too many inconsistencies, whatever that means, and would n't give us any details on the investigation itself ( if they checked camera footage, etc ). I filed an appeal here and got denied again. Then they finally told us that apparently because they had my pin and I had a chip that it was next to impossible, and that its not really heard of. I have been doing research for a while now and have eith er found, read, or heard first hand stories of this happening. It 's called shimming. Suntrust did absolutely nothing to try and catch the people that did this and have put us in a situation where apparently we have to prove we are good people rather than do any actual investigating. {$1400.00} is nothing to a bank, but it was all we had. I have had a police investigator on the case and we also got a credit card at his recommendation so that we hopefully never have to deal with someone stealing our hard-earned tangible m  oney again. So here I am, appealing once again for someone to take more than 5 seconds to look at our case because chip reader and pin information are being stolen all the time. It 's not " rare '' an ymore.

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 2017-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
T o wh  om it may concern, Attached is a copy of an extension agreement that was signed and com pleted on  XX/XX/XXXX . I 'm not sure why my account this agreement has not been applied to my account, but I was told that I was eligible for an extension, and was given an extension twice.  <P/> I originally applied for the extension in  XX/XX/XXXX , but that extension was not applied to my account. When I called to make my monthly payment in  XX/XX/XXXX I was told that my car was about to repossessed for non-payment.  <P/> I asked and qualified for the extension, I also had to record my name saying that I understood that the procedure of the extension agreement, but still no extension was applied to my account. The account  manager  that I spoke with on XX/XX/XXXX assured me that my extension would be back dated and my account would be brought current.  <P/> It has been 3 months, and my account is not current, although in  XX/XX/XXXX I was sent an extension agreement in written via email, I signed and returned it immediately.  <P/> Also, there are over {$700.00} in additional charges on my account. In XX/XX/XXXX , my car was repossessed because I mailed in my payment, and somehow it was lost in the mail. I paid over {$1500.00} in charges to have my car returned to me.  <P/> About a week later the payments that were mailed, we 're applied to my account, and subsequently refunded to me. During XX/XX/XXXX my monthly payment was {$19.00}. I spoke with a manager, that could confirmed what was on.y account.  <P/> I 'm not sure what these charges are and why they exist, but I would like for my account to become currently and updated. I would like to receive written correspondence concerning this matter. I can be reached at  XXXX  XXXX  XXXX .  <P/> Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I opened an acc ount   XXXX   XXXX    BrandSource card and Citibank took over. With   XXXX   XXXX   I had credit protection on the card. When Citibank took over the account, I was never notified that my credit protection would be discontinued. As a result, I have been hospitalized and had  XXXX  and have absolutely no credit protection. I have always paid my account on time before becoming   ill    in  XX/2016   and being hospitalized. I elected to have the credit protection insurance just in case something happened and to think you 're covered and find out you 're not has jeopardized my credit rating.

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 2017-05-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Please see complaint file d  X/XX/2017 . It  was sent to another collection company witha very similar name. Correction was made by phone with CFPB but it was sent again to the wrong company.   The correct name for this collection agency is :  XXXX ,  XXXX   XXXX .  XXXX   XXXX ,  XXXX , Texas.    XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX , Texas.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is my second complaint against Bank of America credit card. I had  XXXX  $ credit card  in 2015,  due to extreme financial hard ship and my car was stolen that time, my wife was  XXXX , and I was a  XXXX   XXXX   XXXX  with no employment. I was told and explained every situation of mine to Bank of America but no use, they are horrible, they did not inform me when interest rate was increased to 22.00 % + something, I was paid more tha n 600 $ extr a for interest and late fees, they are not helpful, last time when I cal customer care, his name was  XXXX  he was threatened me like we will update all information to debt collector, and he insulted me like I have job then what 's the problem like, this is entirely discrimination to me. I really love this opportunity to clear my problem. I do n't want pay more than my actual credit limit.

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 2017-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: AZ

Complaint narrative:
The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees /  overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit rep orts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus  XXXX , and Equifax did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit repor ts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus TransUnion, and   XXXX   did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.

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