vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
XXXX  XXXX XXXX is currently managing my loans. I have been in contact with them and on the phone every month since XX/XX/2017. My loans were being serviced by other companies before I transferred them to XXXX  XXXX XXXX, and they continue to tell me that my loan payments from the old service companies " have to be processed '', but they have been telling me the same thing for 8 months now. I have made 120 on time qualifying payment, but most of them were to other service providers before I transferred to XXXX XXXX XXXX. The biggest problem for me is that have been family planning for years and setting up not to have to continue to pay on these loans, expecting them to be forgiven. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: WA

Complaint narrative:
Due to a horrible divorce and over {$42000.00} in atty fees I found myself scrambling to find ways to pay the attorneys ; high interest/no collateral 'predatory ' lenders seemed to be the only choice and the last resort. In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX about 'Debt Relief. ' PLEASE NOTE : All monies go through Global Client Solutions LLC ( GCS ). I saw an ad that claimed XXXX ( GCS LLC ) could negotiate with high interest lenders and reach workable 'settlements ' so that clients could avoid bankruptcy and/or receive legal protection from judgements and other adverse court actions. Although XXXX ( GCS ) has settled with one of the major lenders there isn't enough money left to attempt a 'settlement ' with either of the remaining lenders. I have been told by reps for XXXX ( they call themselves 'para-legals ' ) " if you want more done, you'll have to pay more money! '' It 'seems ' that the majority of my {$680.00} per month payment goes to XXXX ( namely GCS ) and NOT to any creditor! I would also like to point out that I am a XXXX XXXX XXXX XXXX  veteran living on a VA and an XXXX monthly check ... there is NO MORE MONEY! I've fallen into a vicious cycle of predatory lenders and even more predatory attorneys and the debt relief legal firm : XXXX XXXX XXXX XXXX and their collection parent or sister company : Global Client Solutions LLC..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We paid off our XXXX mortgage ( loan # XXXX ) XX/XX/XXXX. We received a letter from XXXX dated XX/XX/XXXX stating that the mortgage was paid in full and the lien release would be processed. We didn't know that it never was released until the lien showed up on a title search a few weeks ago as we're selling our house.

We wasted weeks talking to Bank of America ( XXXX ) talking to various people ( XXXX on XX/XX/XXXX, XXXX onXX/XX/XXXX and XXXX on XX/XX/XXXX and someone whose name I don't know on XX/XX/XXXX ) because the lien in the public record shows Bank of America as the mortgage holder. On XX/XX/XXXX, the closing attorney faxed to BOA the lien release request and title search, as requested by BOA. Bank of America passed the mortgage for servicing in XX/XX/XXXX to XXXX, who later became XXXX. Bank of America told us they had everything they needed to release the lien and then ditched us and told us we had to deal with XXXX. They wouldn't even call XXXX on our behalf to find out what needs to be done. They say it's not their problem even though their name ( not XXXX ) is in the public record as still hold the mortgage. They say that's because XXXX didn't ever do what they were supposed to do.

Despite many phone calls ( XXXX ) to XXXX starting XX/XX/XXXX, the lien has still not been released. We were told on XX/XX/XXXX when I spoke to someone named XXXX ( you never get their full name and you get someone different every time ) that a lien release was requested and it would take 5 days. On XX/XX/XXXX I called XXXX and was told 20 - 30 days. The customer service is poor and you can never be transferred to a supervisor ( they're always in a meeting ). When emailing XXXX, we get no response whatsoever. I have emailed them 6 times with no response at all. I found the CEO of XXXX XXXX XXXX and have emailed him 4 times ( XXXX ) - no response. We have filed a similar complaint against XXXX.

We may lose the buyers for our house and lose out on a contract on the house we're trying to buy. All we want is to have a clear title and close on our house.

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 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
My employer and family members are getting repeated phone calls from MRS associates. My father specifically has been receiving multiple phone calls a day from them and has been informed by someone at there office that I currently have an outstanding debt which is a violation of my rights. This debt has not been verified and I feel harassed and embarrassed that my private information is being shared with others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX Direct Recovery Services The ref account # XXXX This company has a computer calling my work cell during regular business hours about a debt that is not mine. I think they got my number illegally.

I want it to stop.

I received text messages from my cell date and time fromXX/XX/XXXX @ XXXX XXXXXX/XX/XXXX @ XXXX XXXX They want XXXX XXXX to call this number XXXX  about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC
State: TN

Complaint narrative:
On XX/XX/XXXX my payoff amount on a {$500.00} loan was {$260.00}, I was paying {$48.00} a month. I was told if I paid off the loan with my debit card I could re-loan. I asked if I would be able to barrow more once the loan was paid off and I was told I would find out when I paid it off. OnXX/XX/XXXX I  paid off the loan with my debit card and when I went to re-loan I was told I could get up to {$900.00} and I could pay it off in 12 months at {$88.00} a month. After answering some questions about income which were the same questions I had answered in the past to get the {$500.00} loan I was denied the loan and was told I could ask for a loan on XX/XX/XXXX. At no time was I given the option to barrow a lesser amount. I called XXXX and spoke to a XXXX  and explained what had happened and I was basically told there was nothing they could do to over ride my payment to get a refund or barrow a lesser amount. Both my wife and I are both XXXX, my wife gets paid on the XXXX  of the month and I get paid on the XXXX Wed of the month. This has caused a financial hardship and cause us to lose close to {$400.00} in over draft fees which has caused us to not pay bills or buy my medication. Had I known I was not going to get the loan I would have never paid it off. I filed a complaint with my bank and as of today XX/XX/XXXX there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered a collection account in my XXXX and XXXX report, from XXXX XXXX XXXX ; the original creditor is XXXX XXXX XXXX. I disputed the account on my XXXX and XXXX personal credit report, but never received answer or results of their investigations.

I called to the collection agency to ask the reason of this bill, I was in shock because I always pay in time my insurance bill directly to the insurance broker office, during the call they tried to collect a {$330.00}, I asked for details of the bill because is any reason of this debt.

They told me this collection is for a insurance coverage of XX/XX/XXXX on my 3 cars, I told them that is not possible because during XX/XX/XXXX I had a insurance policy with another insurance company -XXXX XXXX XXXX XXXX- ( see the attachment ), I told them my broker cancelled the XXXX XXXX XXXX in time.

The representative told me that if I send out a fax to them with proof of my XXXX XXXX XXXX XXXX policy and if the policy period match with the unpaid bill, they will cancel the bill and remove from my credit reports. I faxed to the XXXX the proof they requested ( see the attachment ) and then I wait for 2 weeks.

After two weeks I checked my XXXX credit report because the collection account most be deleted, but the account was there in my report, so I called again to the collection agency to follow up. They told me their client made a balance adjustment because they review my fax and they changed the balance to {$290.00}, I asked the reason of the bill and the representative told me she just can disclose the insurance policy is for XX/XX/XXXX and her client ( XXXX XXXX XXXX ) sent to my mailing address a validation letter of this debt on XX/XX/XXXX, but at this time I haven't receive yet.

This is an illegal practice of the Insurance company to try collect double insurance bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX and had XXXX insurance through the XXXX XXXX XXXX through the end of XX/XX/XXXX due to my husband and the city decided to part ways due to complicated issues / employment. He was not terminated.

The insurance through the XXXX XXXX XXXX was supposed to pay the pre-approved XXXX billing in full however did not pay XXXX.

I told Knight Adjustment Bureau about the insurance issue however they insisted that wasn't their problem and I owed the debt they were collecting on behalf of XXXX XXXX.

In XX/XX/XXXX I was finished arguing with the collector and paid the XXXX plus a XXXX processing fee. During that phone call I was told I would receive a letter that showed the account was paid in full and also reassured that THE MEDICAL DEBT WOULD BE DELETED FROM MY CREDIT REPORT.

They stated it would take up to 30-60 days from the payment processing on XX/XX/XXXX. I called at the XX/XX/XXXX and they now stated that I had to dispute the medical debt through each of the credit bureaus for it to be removed.

I completed this and was declined when the credit bureaus reached out to Knight Adjustment to remove the medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, I tried to pay an account via online banking through her Chase checkings account. In the Payee dropdown, I accidentally selected an old XXXX XXXX XXXX credit card account that has been closed for 7 years and sent an amount for {$500.00}. On XX/XX/XXXX, Chase initially opened up a claim and indicated that they would refund within 3-5 business days. However, this did not happen at all in which I called back on XX/XX/XXXX, where XXXX XXXX XXXX stated that they need proof of payment faxed to them and they provided a fax number of where to send it. On the same day, I called Chase back with the fax number for them to send the letter, which they advised would take about 3 business days to complete. She talked to a person named XXXX  and she provided Reference # XXXX. On XX/XX/XXXX, a letter was sent by Chase indicating that the inquiry has been resolved. This led to me thinking that the money would be refunded, but that was not the case. I called Chase again on XX/XX/XXXX. I discovered from Chase that the " resolution '' was simply sending the fax over to XXXX XXXX XXXX, and not a refund. On XX/XX/XXXX ( the same day ), I called XXXX XXXX XXXX   indicating that Chase sent the fax. XXXX XXXX XXXX stated that they can not locate the funds and would need the account number and trace number from Chase. On the same day, I called Chase to acquire the account number and trace number. With that information, I called XXXX XXXX XXXX again and provided the account number and trace number to locate the funds. XXXX XXXX XXXX was able to identify and track down the funds, but stated that since the money was applied to an account that did not belong to me, theyll need a misapplied payment letter from Chase requesting a refund. I called Chase to ask for that letter, but the manager at Chase said they no longer do that anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is about how my bank " Capital One 360 '' handled a chargeback dispute with the merchant " XXXX XXXX  ''.

On XX/XX/XXXX, I rented two scooters from the merchant and paid a {$500.00} security deposit. I was told by the merchant I would receive the deposit back 2 weeks after returning the scooters which I did return the same day. I never received the security deposit after two weeks so I called the merchant about it. Weeks went by without receiving the deposit back.

I then filed a dispute on XX/XX/XXXX XXXX XXXX with my bank and they gave me a provisional credit while they investigated the dispute. They then took back the provisional credit back on saying the merchant had provided documentation that settled the dispute. I asked the bank to provide said documentation. They gave me a letter from the merchant stating that yes they did owe me the security deposit but otherwise did not provide documentation that they actually had returned my deposit. Apparently, to the bank, providing any documentation whatsoever was enough to favor the dispute on the side of the merchant.

I then called the merchant to see if I could resolve this. They went through their documentation and informed me that the bank did a chargeback and took the money from them. The bank also took the same money from me. Now, neither the bank nor the merchant want to deal with me any further.

The bank has stolen this money from me. I have bank statements that show this transaction originally going to the merchant, then there is no transaction from them returning the deposit, then a transaction for the bank giving me the provisional credit, then a transaction from the bank taking the credit back. If the merchant is telling the truth and that the bank actually did chargeback from them, then this seems to me the bank pocketed this money from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
XX/XX/2018 borrowed $ XXXXand funded to bank account on XX/XX/2018 with first py was supposed to be XX/XX/2018 for XXXX and 12 ph for XXXX to pay off amount borrowed plus interest now looking at paperwork and now seeing 11 of those py have a broker fee of XXXX I was not aware of which includes a fee of interest of XXXX for total of XXXX which none goes to principle or to loan. The 12 py is for XXXX which was never disclosed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
OnXX/XX/XXXX I faxexd over my request for dispute with Transunion for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of today 's date,XX/XX/XXXX, I have yet to receive any correspondence from them in regards to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond with 30 days as required.

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 2018-06-22 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: AZ

Complaint narrative:
Good afternoon CFPB, thank you for taking time to review my complaint. My complaint arises from my credit report. As I have progressed in my age and career I have made it a point to also by mindful of my credit. Likewise, several months ago I noticed that one of my three major credit scores seemed much lower than the other two. The credit agency reporting the substantially lower credit score ( difference of around 50 points ) was Equifax. When I looked into what was causing my Equifax score to be so low I noticed Equifax we reporting a collection item that had previously been removed from all three credit agencies ( a separate incident ). For some reason Equifax has now placed this collection item back on my credit report with them. The collection item in question originated from a local cable provider " XXXX XXXX '' but was sold off to a collections agency. As previously stated this collection item was erroneous and was subsequently removed. I contacted Equifax on XX/XX/XXXX and went through the claim submission process. Since then they keep sending emails that contain the " outcome '' of my claim however I am never able to log in and view the " outcome '' of the claim because the log in credentials are questions you must answer based on information Equifax has gathered on you. I can never log in because the " information '' they ask is not correct, so I can never get in to view what happened with my claim. This, coupled with the fact that my Equifax credit score is still substantially lower than the other two ( XXXX & XXXX ) leads be to believe Equifax is not fulfilling their due diligence in amending my credit score/reporting. The Confirmation number I am given from Equifax for the " results '' of my claim is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Auto Finance is not providing accurate information via the IVR payment system. I had called in for several months and made payments over the phone after my husband and I separated ( XX/XX/XXXX ). The system has two options for payment. Pay the current amount due ( push 1 ), or pay the total amount due ( push 2 ). I selected the total amount due, since I thought I was a couple of days late on my payment, and owed a late fee. The system stated the total due was my standard payment plus a late fee. I was ACTUALLY 32 days past due and owed two payments plus late fees. I found this out when my credit monitoring app notified me the afternoon after I had made the payment ( XXXX XXXX ) through the IVR system. The credit reporting agencies already knew I was late, but their IVR system did not? This same thing had occurred for several months from what customer service told me that evening ( XXXX XXXX  ). I never knew I was behind. The rep canceled my morning payment and took a payment over the phone for the total amount due. Her manager admitted there may be an issue with the system but refused to make a goodwill change to the reporting of my credit. I have not had a past due payment in over 8 years. I filed a report with the XXXX. A gentleman with Chase 's executive office made contact with me more than once, but he never seemed to understand the issue. He could see that I had paid the late fee ( {$450.00} instead of {$440.00} ) so I must have selected option 2, and if that was the case, the amount I was told with option 2 was incorrect. I want the issue ( providing incorrect information via their IVR system ) resolved for all customers. Accurate information should be provided by a lender, even through their automated phone system. Thanks to their payment system, I had a 100 pt. drop in my credit. I'm likely getting divorced and now won't be able to buy a home. Things like this can have a huge impact on people lives but they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I found this collection reporting on my credit. The original debt was owed by my ex husband. I was told my insurance and my out of pocket expenses where paid when I made my last payment. I sent the information to the agency. They sent me a statement showing that my ex had a separate account that the original office provided. I emailed the original office I owed and the office manager confirmed it was for my ex-husbands I paid insurance balance. the Collection agency was copied in.

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