vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
The case reference hasprobably been closed However - the same peopleand Wells Fargo - ina continuing attempt toresolve the issues are involved with this complaint. 
We finally agreed to do a deed in Lieu of foreclosureWe recently executed documents ( in XX/XX/XXXX ) and XXXX them to the Wells Fargo people We then called for a copy of the docs and aconfirmation of processwe have NOT received a call, nor a copy of the docs. I recently tried to get a small loan to cover cred card debt ( lower interest ) and wasdenied because OUR HOUSE WAS IN FORECLOSURE!! 
Loan # XXXX -we have no further info sincesigning over title. I can emailthe letter notice ofDeed in Lieu of Foreclosure atrequest. Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I received a medical bill fromDesign Receivables Solutions Incorporated and Company, XXXX XXXX XXXX, XXXX XXXX XXXX , CA. 
This is after two years of my date of service an emergency room. I had received other bills concerning my treatment on the XX/XX/2013 which have all been settled by my insurance. 
Some bills arrived in the post more than XXXX time until they where resolved by insurance. 

Another debt collector service called me in 2013 to negotiate payment for a bill. 

This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details. 

They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance. 

The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered. 

I searched XXXX, XXXX and XXXX company online and found out that this is their usual practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had a Citibank Mastercard account since XX/XX/XXXX. My account has always been current - as a XXXX. My current balance is {$19000.00}. 

I was laid off from my job in XX/XX/XXXX. I contacted Citibank regarding my job status in XX/XX/XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ XXXX monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. Citibank did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XX/XX/XXXX. I am still unemployed and they served me court papers recently informing me that they are suing me for approx. {$23000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.

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 2017-03-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This credit card was never activated. 
A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. 
. Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. 
PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a XXXX tax from from Bank of America XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Bank of America employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive it.

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 2016-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.

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 2017-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I believe my case falls under the predatory practices by Navient along with the XXXX XXXX of XXXX. The XXXX XXXX was sued but I have not recieved anything about my account from the school. I have so many issues with both companies and am at my wits end on both. I attended XXXX between XXXX and XXXX with which I had to struggle to finish as I had XXXX within 8 weeks-one being my grandmother on XXXX and another being one of my brothers from a tragic death and to put my oldest son into the hospital for trying to XXXX after his uncle died. It was a miracle that I pushed myself through my XXXX to finish. I do not believe I was fully counseled when I first applied to XXXX and do not feel like I got the help needed when I finished. I took their word on job placement, tuition, use of my degree, and applying for aid. I found out only about in-state and out of state tuition prices when my son started to apply for colleges in XXXX. I was not counseled on taking a degree part time would cost more than a full time degree in less time. I took their word on everything as they were the experts and they would n't steer a student in the wrong direction. Needless to say, I did receive an XXXX and can not get a job with it at all in the XXXX area. I was without a job-except for a short time that I offered myself as a XXXX. I was not paid-in hind site I was used again. I finally gave up and decided to go out on my own and try to make it work as my own business. During all of this time, Navient kept putting me into forbearance. I was never counseled on any other payment options until recently. So it has come to the point that my degree that should have been approximately only {$20000.00} total at the time for an XXXX tuition has now ballooned over {$85000.00}. When I downloaded the form that lists all of my loans and disbursement dates, I found something else that completely stands out as something is wrong -- -all loans are approx {$3000.00} but there are three that I was charge approx {$10000.00}. I do not know if this is a screw-up in accounting and the school just took it anyway? It just stood out like a soar thumb. I do not know how to go about finding what the amounts directly went to. Even though I do not have anybody as a co-signer, I had to put references and now my mother is constantly inundated with phone calls about my loans. She is elderly and has nothing to do with this. I tried to remortgage my house to roll the loans into that payment with the equity I have built up, but I can not remortgage due to my credit with the student loans. HELP PLEASE! I do not know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My bank of America account was closed, sometime in 2013. It was my ex 's account and I was on it. Back in 2013, I moved out of the house and was told by Bank of America that BOTH parties had to come into close the account. After moving because of an XXXX, I forwarded my mail, however never received anything telling me the joint account we had was over drafted or being closed. I had already gotten a new account and my ex continued to use the old account. I did n't feel like I had a choice because my ex would not close the account. 

Moving forward, I 've tried to open an account and was denied as of a few weeks ago for a checking and savings account. Bank of America Had reported to XXXX that the account was over drafted and closed as of 2013!. I 've called bank of America telling them what happened, however, they do not care. I paid the over drafted amount in full, even though it was not my fault that the account was over drafted. 

It was XXXX paid in full as soon as I realized that I owed money. I 've asked them to delete this account with XXXX, as bank of america nor XXXX have my right address and this account was not being used by me and I had multiple requests to bank of america to take my name off this account. But bank of america will not send a delete letter to XXXX because they state they are reporting accurate information ( which they are not ).

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 2015-06-04 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I just viewed my credit report and there is an account from a company I have never heard of. This company never contacted me, by first class mail or certified mail. 

This company name is Credit Control Corp from XX/XX/2011. I have never did business with this company. I never received any letters from this company. They just put an account on my credit reports and left it. No right to dispute the validity of the alleged debt letter was sent. They have violated the FDCPA and the FCRA. 

If I did n't check my credit today, I would have never knew that this account was on there. This company has violated the FDCPA and the FCRA. 

I want this account removed from my credit reports. I have never heard of Credit Control Corp, Acct # 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 2015-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have a total of {$140000.00} in NJClass loans which go into repayment in XX/XX/XXXX. I have asked HESAA several times for some kind of help or relief and all I 'm told is there is nothing that can be done and that I need to repay the {$1700.00} a month for the next XXXX years. This is not realistic. I will not be able to live, eat and live while paying $ XXXX month for XXXX years. All I want and need is a manageable $ amount to pay each month and be able to live

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have tried to open a regular bank account with chase bank 2 times and got denied, only can open a CHASE LIQUID which is a debit card account. I have nothing in XXXX I got a report from the company that showed nothing. And when I opened a account with them they told me after 6 months they let me have a regular account. Problem is when credit people check your Bank account they say no to you because it not a regular account., There is no reason they should n't let me open a checking account. I been there over a year now. And I receive a regular deposit every month from my XXXX. So they have been unfair with this matter to open a regular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am on the line with J.P. Morgan Clearing Corp. located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( ph # XXXX ). I have asked them for information related to when my loan entered the XXXX XXXX XXXX Trust and if they are able to locate my loan in the specific pool that XXXX XXXX claims it is in ( pool # XXXX ). In XX/XX/XXXX XXXX XXXX executed an assignment naming EMC Mortgage Corp. as beneficiary. However, EMC Mortgage Corp. claimed they never had interest and never were a beneficiary. Now XXXX XXXX claims that XXXX XXXX is the beneficiary for the XXXX XXXX XXXX Trust. Under XXXX XXXX XXXX Trustee for a trust can not be a beneficiary. After EMCs and XXXX XXXX admittance in court that they were never the beneficiary, XXXX XXXX did another assignment for EMC Mortgage Corp as their attorney in fact, making an assignment to XXXX XXXX as Beneficiary for the XXXX XXXX XXXX Trust. ( EMC Mortgage Corp. has been non existent for years before this new assignment made by XXXX XXXX as attorney in fact for EMC ). I have been given anything and everything but the truth and the entities I am dealing with only know how to re-create and/or fabricate documents to make their story appear legitimate. Through their deceptive doings, I have been railroaded in all directions in dealing with the true party of interest and going to face to face meetings under the foreclosure statutes in my state. Monies I paid into the court registry faithfully were returned to me due to false entities appearing as the beneficiary. I have paid approx. $ 200K direct to XXXX XXXX since XX/XX/XXXX. The majority of those funds paid were after my Chapter XXXX BK in XX/XX/XXXX where I was no longer a legal obligor, as the loan was never re-affirmed. In good faith I paid approx. $ 150K direct to XXXX XXXX after my BK discharge. I want to know what XXXX XXXX did with those payments as they claim they sold the loan on the secondary market in XX/XX/XXXX. I have never had any other statements or notifications from any other entity but XXXX XXXX. My call is coming to an end. XXXX took my call and put me on hold and talked to the higher ups he said and they are not able to find my loan anywhere tied to the trust. That is the answer I just received! Why is this so difficult? Is it because the note and DOT are no longer the security instruments and they have been converted to pass thru certificates earning money on the inside and then the note and mortgage remain on the outside? Something once again just does not add up. It never has. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
GOOD AFTERNOON, I SEND YOU A WHOLE PACKAGE, AND ALSO ATTY. GENERAL XXXX REFER THE CASE TO YOU. PLEASE CALL ME AS SOON AS YOU RECEIVE MY PACKAGE. I TOOK A TITLE LOAN, OVERPAID AND PAID IT 6 MONTHS IN ADVANCE AND REPOSSESSED MY VECHICLE.THESE COMPANY HAS A LOT OF CRIMINAL CASES.  PLEASE CALL ME OR EMAIL ME ASAP. THANK YOU FOR YOUR ATTENTION.

RESPECFULLY YOURS,
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 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called TD Bank today in order to find out why XXXX was not accepting my card online. TD Bank Rep XXXX today on XXXX/XXXX/2015 started yelling at me and told me a lie that my card was not active and that she needed to activate a new card sent in the mail with beginning date of XX/XX/XXXX - I told her I did not want to do that but instead of listening to me she bulldozed and bullied over me and called a 3 way mysterious number wherein she fed all of my personal information ( card number, expiration date, tax ID Number, social security number etc ) into God knows where and to whom. The number she called was supposedly automated and it kept saying that the information she fed was not correct so she kept milking me for more security information and I got very suspicious and told her I wanted to speak to a supervisor. It appeared that and felt like she was feeding my personal financial and identification information into some XXXX fraud ring and I told her to stop. Instead of transferring me to a supervisor she transferred me back into the cue line, where I had to start the entire process all over again and spoke to someone named XXXX who then finally gave me to a supervisor. I am now herein filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRINITY HOPE ASSOCIATES
State: OR

Complaint narrative:
Debt was paid directly to the medical provider ( XXXX ) in XX/XX/XXXX. Account was noted with XXXX that it should have never been sent to collections and that I would pay XXXX directly via their online bill pay. XXXX was notified of this by me several times. XXXX would not let me send them receipts for paid bills and started to verbally harass me more than once. They have reported me as being in collections as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation