vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a safe deposit box at a local Chase bank for the past three years and based on my interaction with a bank agent today I have to wonder how they are able to function with so much misinformation being spread by their agents. I went to the bank last week and made a partial payment for my safe deposit box and was told I just need to pay the remainder of the cost by the due date which is this coming Saturday. I also learned that in order to qualify for a discount as a Veteran I would need to open a personal checking account, which I did when I made the payment. 
the agent who called today seemed to be clueless about all of this and told me that I do not have a personal checking account with Chase and therefore will have to pay the higher cost. She also told me I would be charged a fee ( she received an email from one of the corporate offices about this ) for not paying the full amount. 
This has got to be stopped and it reminds me of a similar situation two years ago when I cam in and paid the fee with cash and subsequently kept receiving notices telling me I didn't pay the fee. How can a major bank get away with all of this nonsense????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
I have received phone calls from Diversified Adjustment Services on numerous occasions, each time I have told them that they need to take my phone number off of their list and to never call it again. Once I start to make the said request the representative immediately disconnects the call. I have tried to call and talk to a manager regarding the issue, and all I get is a voicemail and no callback. I have tried to contact the corporate office, and once again all that happens is they transfer me to the exact same voicemail box. 

This company is not only in clear violation of the FDCPA, but they are also violating the national do not call registry. On top of that, they are using an autodialer system to call a cell phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XXXX, Equifax and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, Equifax and XXXX   has  failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s )  would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.

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 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Consistently getting emails and phone calls from Nelnet stating that the account is past due by 75 or more days. The emails contain titles like " take action to keep your delinquency from being reported ''. The issue is that the account has been paid and I am fearful that my credit will be destroyed by these false allegations and incorrect data. I have fell victim to predatory student loans in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but Portfolio recovery reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with Portfolio recovery also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank On disclosure its marked no prepayment penalty but deeper in the document is a paragraph with Early Closure Release Fee so the charged us a fee of {$670.00} So if no prepayment penalty why a early closure fee?

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 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a fraudulent charge from XXXX XXXX, on my business card, in XX/XX/2018. I filed a dispute with my credit card company ( XXXX/XXXX ) They immediately removed the fraud charge, cancelled my card and sent me a new card, new account number. Great! Then in XX/XX/2018 I see a charge on my new card for XXXX XXXX and I call my bank to let them know that this is not my charge, They tell me that the charge went back on because of the " card updater program '' and even though it was originally a fraudulent charge and was returned to XXXX along with a penalty they were able to charge my new card, because the original fraud charge had been a recurring charge. So i called XXXX and they would not do anything because they had to send me a code to my XXXX account, which I do not own an XXXX account, because it was fraud. Now I have to cancel my credit card again. I was told there is no way to opt out as a consumer from this program. So in closing, the consumer, who is paying has, no rights when it comes to the " card updater program ''. and that should be illegal.

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 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I am a federal employee who has submitted certification for the loan forgiveness program. I received information when my loan was transferred to XXXX as the servicer in XXXX that I had only made 11 payments. I contacted them to let them know that I had been in repayment since XXXX and worked for the government since XXXX. They told me that it took approximately 12 months for the information to be loaded into the system. I contact XXXX after 12 months and was told that my account had been updated. I submitted another certification in XXXX so that the payments made in since my last certification could be reflected. The number of payments were 27 for one loan and 54 for another loan which was still inaccurate. The money for all my loans were ach debit as one payment so the number of payments should have been the same. Even if the all my loans indicated that 54 payments were made it was still incorrect. I should have 72 payments. I contact XXXX and was told that another request for a review was put in and it should be done byXX/XX/XXXX I was told by XXXX to send bank statements to prove that payments were made and I told them that I should not have to incur a cost to go to my bank to research and obtain bank statements going back to XXXX. I called XXXX again in XXXX and now I am being told that it will take between 12-18 months for the review to be completed. This is unacceptable and keep going on and on with no end in sight. I am entering my 7 year with the government and should not have to get denied when it is time to apply for forgiveness because they can not get there records correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC.
State: NC

Complaint narrative:
I have been working with a representative at my mortgage company to try and get a loan modification, I was sent paperwork and was told to send it back via fax, email or USPS. I was also told when the paperwork was received there would be a halt on the foreclosure until everything was reviewed. I spoke to the representative on XX/XX/XXXX and went over everything to make sure the paperwork was correct. I faxed the packet they sent along with my bank statements and pay stubs on XX/XX/XXXX, I have the confirmation page showing all 29 pages went through successfully. The paperwork was faxed to the number provided in the packet I received from them, that same fax number is on all of my mortgage statements. I called back within 5 business days as instructed and was then told that was not the correct number to fax. I didn't understand how it could be an incorrect number because it was the one listed on the packet. She said it may have been an old packet, however it says it was just revised on XX/XX/2018. I was then told to send the paperwork again via overnight certified mail. I am already in a financial bond, I sent the paperwork to the number provided by Summit Funding and paid {$34.00} to do it the first time. I feel like I am getting the run around and if this process isn't started soon I may lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.

Complaint narrative:
XX/XX/XXXX To : Navient Cc : EU courts In response to your E-correspondence # XXXX, XXXX, XXXX and " 5.Lender 3 rejection.pdf '', I request that you put this loan in extended forbearance to give EU courts time to handle this case. The extension of three months is not enough time and, as you, yourself, stated before, the XXXX University XXXX XXXX ( XXXX ) lost its U.S. accreditation in XXXX. As of XXXX, MUL is not on the list of approved schools ( see the XXXX list ). Hence, the deferment option is not possible. 


In this letter, I want to also shed some light on the U.S. student financial aid system for EU courts. You wrote on XX/XX/XXXX : " We are not able to respond to any information or guidance provided by a customer 's school, financial aid advisor or other financial advisor. '' and then you argued that the student and its co-signer are responsible no matter what. 


For this loan to be processed and approved, by Sallie Mae Bank ( represented by Navient ), the signature of the school was required on a document called " loan certification ''. This flaw in the system allowed the school to demand, mis-guide and force the student to inevitably select Sallie Mae Bank. Although Sallie Mae XXXXNavient repeatedly claimed that they had no role, it is not credible. 


I and other students did prefer and did request for the better options delineated in your letter dated XX/XX/XXXX. Since it was only the school that could make the final decision, Sallie Mae Bank was the only option. 


It appeared that Sallie Mae Bank had signed an exclusive strategic deal with XXXX, which in turn was used to pressure students to buy this loan or face expulsion from the school. 


As for your reports sent to U.S. Credit Reporting Agencies, to threaten me and the co-signer, they are invalid, as this transaction happened outside of U.S. Territories, as per responses from the Consumer Financial Protection Bureau in the USA. 



Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but XXXX XXXX   reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with XXXX XXXX also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
I began attending a class at XXXX XXXX which was to be the final course for my degree ( s ). At week 5 of the course, only 1 assignment had been graded, which was a discussion board assignment, for which I only received 50 %. This has absolutely never happened throughout my entire college career as my discussion boards are always graded very high, usually at 100 %. I reached out to the instructor to inquire as to why I had been graded so poorly so that I could make improvements in the future. I never received a response. I further inquired as to my standing in the course as none of my other work had been completed either. This communication was not responded to either. I then called XXXX XXXX directly. The lady who answered transferred me to a voicemail, and that message was not answered. Due to these circumstances, I did not continue attending. XXXX is now attempting to hold me liable for the balance from this term and has sent my account to a collection agency, T-H Professional & Medical Collections. 

In XXXX, 2018, I contacted XXXX and informed them that I wished to formally dispute this account due to the above stated situation. Their version of an " investigation '' included obtaining a detailed billing from XXXX XXXX and speaking with XXXX to verify that XXXX believes I owe this debt. This is not an investigation. The mere fact that XXXX asserts that I owe this debt does not make it valid. The FCRA requires that the credit reporting agency VALIDATE a debt as accurate prior to reporting it on a consumer 's credit report. This burden has not been met by merely asking the original creditor whether, or not, they wish to continue collection on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My lender being SPS and my Investor being XXXX Bank refuse to assist me in keeping my home today. I have applied many times with what income i have between me and my wife and both the lender and the investor want to blame one or the other. The investor tells my lender for the reason to deny is cause it is a " business decision ''. This is NOT in any means a way to let a homeowner loose there home based on a " business decision ''. Per my lender on there website they have you enter your loan # and they let you know what form is needed and for my loan # was only a 2 page form and no other documents are requested, just these 2 pages of request for mortgage assistance forms. 
When i sent these forms per there request they will not even open my file to review it for nothing. I have and had a very strong hardship for the reasons i came delinquent. I can prove the hardship if needed but im never get this far with SPS. They just deny the file with no review at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
A company called Harris and Harris keeps calling our landline number saying we owe a debt. We do not have any debt and believe this is a scam call. Review online about the number calling us ( XXXX ) and asking we call them at ( XXXX ) indicates this is a scam company. We don't want to answer the phone or give any personal information. We'd like these calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Avant Credit Corporation
State: WA

Complaint narrative:
Avant Continous calls from different phone numbers all hours of the day {$6000.00} balance??? 
Please remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Kansas, Inc.
State: KS

Complaint narrative:
Original account was with XXXX XXXX XXXX  and the account was closed and charged off as a bad debt. It was sent to a collection agency in XXXX XXXX, KS and I was making payments to them until hard times fell for medical situation in my family. I received nothing new from the original collection agency or the bank whom the debt was with until I was paying on a bill thru XXXX  XXXX XXXX, attorney also does business as the Collection Bureau of Kansas. I disputed owing him any money on the account as I was in no contract with him or his business on a debt that had been closed and charged off. I received nothing back from Mr. XXXX validating the debt and I have been paying on a debt in his office for XXXX XXXX in which my last payment was mailed in with ALL ACCOUNTS PAID IN FULL. Mr. XXXX office has returned the payment and refused it because they say I owe them the account for XXXX XXXX XXXX that I have disputed and have never received validation on. I have contacted the bank to try and resolve this since the original collection agency did not report the payments that they received from me. Numerous times of trying get resolution through the bank and nothing until I reached our to XXXX the branch manager of the bank I went to and he advised they changed collection agencies to XXXX  XXXX XXXX this year. He did advise me that I could pay the bank or the new collection agency. I am disputing this because Mr. XXXX did not follow the FDCPA in validating the debt balance, etc. and he has not only refused my money for my other debt but failed to notify me that all attempts had ended and they were taking legal action. Today I received a limited actions docket hearing order from the district court. His office is very rude and disrespectful and they do not adhere to FDCPA rules when attempting to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.

Company response to consumer: Closed with explanation