vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Manhattan Beach Venture, LLC
State: CO

Complaint narrative:
I had been on-line looking for a way to get student loan relief. Found a website and phone number for Student Loan Relief Department. I called the phone number because I thought it was a good idea, and I would get my student loans forgiven. 
I talked to a young gentleman, who seemed very friendly and knowledgeable about the 'process, ' gave out a bunch of personal information, including my XXXX ID. I was told I was approved and was sent to a third-party group to get set up on payments. After finishing the phone call ; I went on-line to do a little more research, and what I found scared me. I then called my banking institution, cancelled my debit card. Then called all XXXX of the main credit reporting agencies and placed fraud alerts on my accounts. After, that I called my local police department, and submitted an incident report with them. 
I also submitted a 'notice of cancellation, ' to Manhattan Beach Venture LLC and Student Loan Relief Department , and am waiting to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have XXXX credit cards with Bank of America. I experienced financial hardship over the course of 2 years. I called multiple times to request help and they would not assist me and said nothing could be done. I finally spoke with someone ( in XX/XX/XXXX ) who said XXXX ( XXXX ) could help and provide the phone number to get things started. I set up an account with XXXX and they sent the proposal to BOA. BOA denied the proposal but did not tell me why for weeks. I finally found out it was because I had XXXX credit cards small balances and BOA demanded I included those in the proposal. I paid then off. XXXX was told XXXX tried to contact them and BOA did not get in contact with them. XXXX again tried to get in contact with BOA who stated I had additional things on my credit report and that is why they were denying me. XXXX and I pulled my credit report and there was nothing additional on there. Since XX/XX/XXXX, BOA is charging me late fees and over the limit fees and not working with XXXX after directing me to them. BOA continues to come up with excuses as to why they will not accept the proposals but either not sharing this information in a timely manner with XXXX or making up things that are not true such as the additional things on my credit report. I wrote their customer relations department early XX/XX/2017 and have not heard back from them. 
When I call in and speak to their employees no one has answers for me and it takes days for supervisors to call me back and let me know what is going on. They tell me wrong information such as they do not take outstanding medical bills into account and then say that the XXXX medical bill I have in collections does count in their decision. I feel like they are purposely not working with me in an effort to collect more money from me.

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 2017-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been going thru a divorce case for the past 3 years and last year I had to start paying spousal support of XXXX per month. I stopped going to school and had one year of my XXXX left, but with all the XXXX and XXXX ca caused by the divorce I was not able to go forward. the fed loan serviceing office has been on my case since then and demands that I start making a payment, I exp explained to them that right now I cant make any payments, or if they can refer me to a place where I can work as a XXXX ( to qualify to have my loan forgiven ) I might still go back to school once every thing in my personal live settles down. 
I also owe money to the irs, since my spouse refused to file taxes with me jointly. I keep being bothered by the fed loan servicing department and they are not not trying to consider my situation. please help me. thanks. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC
State: WA

Complaint narrative:
I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX. XXXX and Source Receivables Management XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of Ipad Contract and Billing ; not providing me with a written contract when asked ; unauthorized use of my digital signature ; providing only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the third time I 've asked for information of reported debt filled by XXXX, and they would n't respond to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Source Receivables Management XXXX saying XXXX has filled a Debt Claim. If XXXX does n't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service process. 

I 'm asking XXXX and Source Receivables Management XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX ) example. The Agents names, titles, contact information of XXXX department or the department responsible for overseeing debt collection and all legal contract matters. 

XXXX XXXX XXXX, KY 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 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an account with both Citibank XXXX and Citibank NA. 

On XX/XX/XXXX, I initiated an international wire transfer from Citibank XXXX worth XXXX from my personal account, to my Citibank NA account. 

Fees : XXXX ( debited from my bank account in XXXX , NOT THE BALANCE ) Rate : XXXX for XXXX Balance : XXXX Incoming international wire transfer fee : XXXX Expected Balance : XXXX However, the balance credited to my account was {$9900.00}. It seems that an additional fee was levied. I am 100 % sure that Citibank XXXX did not charge any other fees because the balance sent was exactly the figure above. 

I called Citibank XXXX and they indicated that an intermediary bank was used, which, in this case, was Citibank New York. My branch is in California. The charge in this case is {$27.00} from what the customer service representative told me.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent several certified letters to XXXX, XXXX and trans union multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!

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 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC.
State: GA

Complaint narrative:
Since 2013 first Federal and collections has been reporting negatively on my credit report. I have sent three letters asking for validation and I have yet to receive a response. I have also attempted to contact the phone number and yet I 'm unable to reach someone. I have never seen a XXXX in 2013, or a XXXX in the said listed city as I was not living in the city. Please help me correct this information.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by Equifax that the dispute of the information from XXXX had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from XXXX had been added back into my account, and dated as being reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I have a variety of Federal & Private loans for myself & also Parent-Plus loans for my son. ( my ex-husband refused to co-sign or help ). These loan balances now exceed {$80000.00}. I am XXXX years old & this loan balance exceeds my annual income. Navient is the current loan servicer for ALL loans. I went back to school " online '' to finish my degree when I was XXXX & my children were graduating high school, which I never had time to do, working full time & raising my family. Like a mortgage loan ( & these are often just as much & certainly more risky ) these loans did NOT qualify me to be actually able to repay them. How can these loans be given so freely, when the repayment is worse than federal taxes?! The money is given too easily. I was not then & certainly not now qualified or able to repay all of this debt. The Federal government should reduce the interest to zero & cut balances in half to prevent a certain national financial crisis, which will be just as bad as the XX/XX/XXXX mortgage catastrophe. I graduated in XX/XX/XXXX, right before the " crash ''. I was unemployed for two years & then finally took a salary of $ XXXX in XX/XX/XXXX. By then, I had used my savings & took withdrawals from my IRA to pay bills & student loans. the 401K should have a loophole to remove penalty & taxes if used to pay these loans down. The Government has far too many restrictions. I had to have deferments & interest only payments resulting in ever increasing principal balances & higher future monthly payments. Since then, now ALL Of my savings are gone, my IRA is further depleted. My loans are all on forbearance yet again. My future is bleak. As a consumer & provider for my family & myself my retirement will be non-existent & future is so very restricted. These repayments are ALL wrong. The parent-plus loans should be REMOVED from my social security #. This is NOT right. There should be an age limit, when ALL loans are to be forgiven such as 60 years of age to allow recovery. THE US GOVERNMENT wastes money on frivolous travel, expenses & overseas projects. These loans should NOT be a source of revenue. They are damaging lives & the economic stability of the Country. The so-called repayment plans are worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
stop sending me emails about mortgages? iam a cash buyer, having lost ahome to fraudulent forclosure with over 50/ % equity in the house and stole by wachovia bank /wells fargo bank with over XXXX cfpb case claims against this was deliberate govermant act to decieve XXXX from the penshions and will fight for justice until the end of life, the cfpb have fined these banks for fradulent mortgage activity and stole home to order $ $ $ $ $ $ this was organised by the govermant as wells fargo bank was forced by the govermant to take over wachovia bank then the govermant told the bank what to do Fha insurance the cfpb have not passed any monies that they have collected from fraudulent activity committed by wells fargo bank you think this will go away and you blatently robbed XXXX people of there penshions and i hold you totaly responsable for your action it will come out in the wash? thanks 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 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have an account that was placed with Midland Credit Management for an XXXX credit card. On XX/XX/2017, I set up an arrangement with Midland to pay off the debt via an automatic charge of {$9.00} per month for 120 months. I have the letter here stating that they agree to these terms and conditions. 

I receive on average 4-6 calls every day concerning this debt from Midland Credit Management. It has surpassed the point of harassment. 

Today, I decided to call back and ask, " What do you want!? ". I was informed by my " Account Manager '' that my account was in the pre-legal status and that he would not guarantee that my account would " stay in his department '', which one would only assume, based on the stated status of my account, that it would be transferred to their legal team or a lawyer. I asked him if he was stating that they were no longer willing to accept my written agreement, and he stated he would not confirm nor deny, but that my account was in the Pre-Legal status and the only way that I would be guaranteed that it would not be sent to another department is if I made minimum {$100.00} per month payments. 

I consider this a threat to pursue legal action on an account that I am actively paying on, and am also harassed by them on a daily basis. 

PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent United Collections certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once againthis alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported fraud regarding my credit card to Citibank on XX/XX/2017. 
( Someone had managed to cancel my card and asked to have new card sent to them in XXXX ). I was told by Citibank the card would be cancelled and a new one would be sent to me to arrive the next day. The next day when no card arrived I called back and they stated that the new cards were still shipped to the person committing the fraud and that they had used them to purchase goods at XXXX ( XXXX at Citibank Fraud # XXXX call XXXX ( for authorities only ) ). 
XX/XX/XXXX received charges from Citibank from XXXX in XXXX XXXX for {$380.00}. 
Spoke to XXXX XXXX, XXXX Citibank Fraud. She says the charges previously reported as fraudulent from last card were carried over for " accounting purposes '' to the new card. 
She also states that since " they were never before reported '' for this card " it may take 1 to 2 billing cycles to resolve '' and In the meantime I may accrue finance charges and interest until the investigation is completed. 

CFPB- I 'm not sure if they have broken any laws or regulations here, but my instinct is that beyond very poor business practices they have! 

Thanks

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 2017-02-15 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Plastyc, Inc.
State: IA

Complaint narrative:
Someone got ahold of my card numbers in XX/XX/XXXX and signedme up for a dating service. When I found out about these unauthorized charge I immediately contacted the card company and was told that " by law '' they had to cancel my card issue me anew card and dispute the charges with the dating site. So far, so good.Ireceived my new card in time to pay my rent, on the XX/XX/XXXX.. 
I have been using it for regular purposes and for NOTHING I have not used it before. This last monday I went to pay my vets bill and was told my card did n't work. I called the card company and was told that it was on hold do to possible fraud. The representative and I determined that the few charges I had made were legitimate. However they wanted proof of who I am. 
They asked me to FAX them these items ... Drivers license, social security card and a utility bill. I IMMEDIATELY informed them that I paid my utilities with my rent and a " separate '' utility bill was IMPOSSIBLE. They suggested ( and approved ) that the first page of my lease agreement would suffice. These items WERE faxed ( an received ) yesterday. 
Let me interject at this point that the original card numberwas ... XXXX this was the one they closed the NEW card number is ... XXXX. 
I DO NOT have a fax machine and have had to use the one in the managers office and work around her schedule to use it. Here are the fax numbers that upside provided me ... XXXX or XXXX. The first one is the one used and was given confirmation that the fax HAD been received. 
I called " upside '' this morning and was told that because I had NOT submitted a utility bill the account would remain on hold, I reminded them that I was informed that the lease agreement would be okay. They " suggested '' that I have the leasing company " break down '' the lease agreement to show utilities paid. This is impossible, my leasing company is " The City XXXX, Iowa '' and I am on " low income housing '' subsidized by HUD. 
Here comes the BIG lie ... .after having said that the lease agreement was unacceptable, they then deny even receiving the fax AT ALL. 
Add to this mess UPSIDE is going out of business and I am under time constraints to move my funds to another prepaid card company BEFORE, Upside is " no More ''.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Russell W Richardson, Attorney at Law
State: FL

Complaint narrative:
First company was XXXX. Called and said they were going to garnish my wages if I did n't pay back on my overdue payday loan. Said they had been trying to contact me but I never received info. I paid them since I knew the money was due and kept letters from paid debt. Now another company called dfc legal services began calling my inlaws saying I would be taken to court if I didnt pay them

Company response to consumer: Closed with non-monetary relief