vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I am writing about my student loan, which is serviced by Navient. I began repayment of the loan in XXXX when I was XXXX at XXXX XXXXXXXX XXXX, and I have been on an Income Based Repayment plan ever since. Since I spent XXXX years XXXX for the XXXX XXXX XXXX in the XXXX of XXXX, there were periods when my income was so low that my payments were {$0.00}. For the past XXXX years I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a decent job that has enabled me to make payments of around $ XXXX. Each year I file for renewal of my XXXX, the servicer goofs up, then I write to CFPB, and the payment is revised to be around $ XXXX. 

This year is the same. When I filed for XXXX and the servicer doubled my payments. I can not afford the higher amount and this will force me into default. I see the Department of Education has finally addressed FFEL loans like mine, but only for those in default. It is my hope that the Department of Education will do better than this. No one who holds a FFEL wanted to have this type of loan, and like me no one knew they were getting one. It was the discretion of the Department of Education to put loans like mine that were refinanced through them into either a FFEL or a DL. I would be halfway to PSLF if I had a DL, and I certainly thought I had one until recently. At age XXXX it is not realistic for me to start over on PSLF with a new DL, and I shouldnt have to. The Department of Education needs to make all FFEL loans work the same as all DL loans since it was their decision that burdens all FFEL holders. 

This year has been difficult for everyone. I started a new business XXXX XXXX XXXX in XX/XX/XXXX, but by the time I had obtained all the licenses and insurance the covid pandemic prevented me from commencing. I still have the rent, insurance, licenses, and other costs. I hope to begin classes this year but who knows when? 

I need to have my IBR payments remain around {$500.00} until my income goes up significantly. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Under threat and intimidation from a so-called XXXX technician, my wife and I purchased {$6600.00} XXXX XXXX and XXXX cards and a wire transfer of {$5000.00}. On XX/XX/XXXX. 
Received 3 notifications ( 2 are included ) that no errors occurred. That was it.

Unable to call directly for follow-up with personal accounts have to go through a long process for them to call you back. Still waiting. 
My business account was also involved but there was an 800 number to reach and talked to a fraud representative. They help business clients right away but not personal clients. Citizens Bank bias behavior. 
Have information who the scammer was and on one appears to want to follow up to help stop these type of incidents from XXXX including the local police and Citizens bank Citizens XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have never had an an account with this company nor have I had an account with the company XXXX XXXX not now and not ever. This account was opened due to fraud and needs to be removed immediately. Credit bureaus all have been sent a police report.

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 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, I initiated an ACH transfer of funds in the amount of {$13000.00} from my brokerage account at XXXX to my joint savings account with my husband at Bank of America. After not receiving the funds in my Bank of America account, I discovered that I had entered a wrong digit on the Bank of America account number I provided. I called XXXX which attempted to recall the funds but the recall was unsuccessful. I'm told that as an industry rule, recalls are not honored if not within 5 days of the initial transaction. XXXX advised me to reach out to Bank of America directly. My husband and I spoke with a supervisor, XXXX XXXX ( XXXX ), who essentially advised there was nothing he or Bank of America could do to help us retrieve our own money. He refused to even advise if the wrong account number I had entered was a valid account, and could not articulate a reason why Bank of America could resolve this internally with its other customer who received our money in error. Each of the institutions we spoke with ( XXXX and Bank of America ) have advised after numerous back and forth calls that we need to resolve the matter directly with the other institution. Our money is being held XXXX by Bank of America, without any good faith effort to resolve or even suggest a solution.

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 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received a debt collection from XXXXXXXX XXXX  saying I owed money to PayPal on the amount of {$1200.00}. Culprit used my name and number but after calling PayPal I realized they used a different email. XXXX. Paypal collection says that the account was closed in XX/XX/2019. I received no mail from PayPal before it went to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Professional Credit Management, Inc
State: LA

Complaint narrative:
I contacted Professional Credit management to pay to delete a debt on XX/XX/2021 and made the payment online.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. 

PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. 

Please note, PNC did not contact me re this. 

I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. 
That night, I contacted the Police, filed a police report # XXXX. 

I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX  XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I was closing on a house and waiting on wire transfer instructions from my attorneys office. I sent two transactions for a total of XXXX to XXXX XXXX in a Wells Fargo account. On XX/XX/2021 I was called into my attorneys office to review the wiring instructions and after reviewing said instructions it was brought to my attention that the wire instructions were fraudulent. We immediately noticed XXXX bank and XXXX XXXX and reported the scam. Several days later XXXX Bank informed me that my money was being held in a frozen account in Wells Fargo and that the scammer never got a single XXXX. XXXX XXXXXXXX and XXXX bank have been working tirelessly trying to recall my money, to no avail. Wells Fargo hasnt replied to any messages or phone calls from my banks since the beginning of this incident.

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 2021-04-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Mailed in a letter disputing the incorrect information on my credit report in regards to Ally charge off account in the amount of {$3900.00}. I have not received a response within the 30 days from Equifax in regards to this matter despite me mailing off my letter on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In 2018 I lost my Job as an XXXX XXXX XXXX XXXX  due to XXXX XXXX XXXX. I immediately contacted our current Lender, Freedom Mortgage and explained the situation and how it was hard at that time to get another job, of equal compensation. Freedom Mortgage offered to assist us with the loan Modification. I worked very hard at getting all required documents to them expeditously. Every Month I would here from them saying my documents were not accepted due to reasons like " Your Paystub is Crooked '' and " Now your Documents have expired '' " You must start over Again '' This process went on for over 11 months until I received Final Rejection of Loan Modification. They had kept telling me NOT to send any payments during this process. I was now 11 months behind and they were threatening Foreclosure. We then had to pay XXXX XXXX XXXX XXXX  to file XXXX XXXX, which was very costly. So, we have been in XXXX XXXX since late 2018, and making payments to the trustee. This past XXXX we were victimized by the Ice storm/Power Outage here in XXXX Texas. We suffered a busted pipe and subsequent damages. XXXX XXXX Made a final settlement of {$16000.00} for home repairs. The first check of {$9700.00} was received on XX/XX/XXXX, and susequently overnighted to Freedom Mortgage for their endorsement. They have since contacted me by phone twice, stating they WILL NOT endorse the check, due to me being behind in mortgage payments, which I am NOT. Every time I have to deal with this lender, They are just extremely disrespectful and arrogant and NASTY to me. I personally feel their plan all along has been to cause repossession, due to my original note being $ XXXX and my property value has just been assesed at $ XXXX XXXX XXXX tax assesor. I really feel their ultimate goal is to take our house away from us, anyway they can. I reached out and notified by bankruptcy attorney, and she is going to have to file a motion to force them to endorse and release the insurance check. She stated this will probably take quite some time. Our house has moldy walls, ruined carp [ et and flooring. We already have a contractor lined up, but he can't get started until I have funds in the bank. I have been informed that their action of delaying their endorsement is illegal. This lender has done nothing but XXXX with and Aggravate me, every time I contact them. I am a 14 year veteran of The XXXX, and I DO NOT appreciate being disrespected and abused like this. Also, My wife of 30 years is extremely XXXX with XXXX XXXX  XXXX and conditions. The stress that this lender has caused us has literally put her back in the hospital, 4 times in the past 2 years Please help us, if you can. I thank you for any time and considerations on this matter. 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 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I have tried to request validation and dispute this inaccurate charge. I do not owe on ANY medical debt or bills. All my medical bills are covered by XXXX XXXX XXXX. Everywhere I go knows that. This is wrong, inaccurate, and false information that I was never informed of owing any debt or given a right to dispute this before it was listed on my credit file. This is wrong and unfair. I need some help. 

AWA Collections reporting # XXXX for {$700.00} AWA Collections reporting # XXXX for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS

Complaint narrative:
After monitoring my credit reports from all three bureaus I noticed a collection for {$120.00} from COLLBURXXXX  and dated they received XX/XX/XXXX so I called to request details so i could determine if this was a true bill or not and the person was informed I was recording the call as well and that this was not my bill and could she give me the any information the account number, dates, amounts, coverage of insurance, anything that could prove it was a bill owned by me or send me what she had be cause that wasn't enough etc. and she sent me a link to " virtu '' pdf and on this was NO INFORMATION except my name, date of visit, a date 9 days later when it was filed and nothing else no social, no DOB, no address nothing. then I started researching what to do and I learned about " XXXX debts '' and debit collector scams and that this COLLBURXXXX  had not contacted me and had no information and stated there computers had been down is the reasoning for not reporting to bureaus or contacting me, so I went further and background checked the individual that the email came from and needless to say if its the same person which it only pulled one who sent the email she has been arrested for theft a few times. 
The Email was sent from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Did know what to do other than send a certified letter requesting debit validation but wanted to also contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Well over 45 days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX XXXX'. In fact, I noticed several errors regarding this account on my credit report. One of the errors shows late payments, derogatory status and included in a bankruptcy. One of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had zero late payments- there are serious discrepancies and errors. Upon addressing this with both Transunion and XXXX nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to Transunion and XXXX asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond 30 days, the law requires that the disputed information must be removed from the credit report. Transunion and XXXX  fail to comply.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Please forward the information to Comenity Bank. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On date XX/XX/2020 cap one NA pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with cap one Na. Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
The company in question is called Credence resource management, they have called on a almost daily basis saying that they are a debt collector trying to collect a debt for an XXXX XXXX XXXX account and phone number that I have never had and I have never had XXXX XXXX XXXX  I have called them repeatedly and told them to stop calling my number which they do not do, and I have contacted my lawyers at my credit repair service to confirm that there is no Credence resource management agency reporting on my credit reports. When they have called they try very hard to get personal information out of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We booked and fully paid total of {$2100.00} XXXX {$500.00} initial deposit, {$1600.00} final payment ) for a cruise with XXXX XXXX on XX/XX/XXXX. Due to Covid-19, the cruise was subsequently cancelled by XXXX XXXX on XXXX. At that time we elected to reschedule the cruise for XXXX at same rate. 
Since Covid-19 was still ongoing, XXXX XXXX cancelled the XXXX XXXX cruise. The option for refund was acknowledged and we filled out the proper documentation with XXXX XXXX for the refund. The refund confirmation stated that refund will be processed in 30-45 days. After several phone calls and continued request for refund with XXXX XXXX that went unanswered, we filed a dispute with our credit card holder, Bank of America and provided all requested documentation. Credits to the account with Bank of America were issued in the amount of {$500.00} and {$1600.00} on XXXX. No further communication by either XXXX XXXX or Bank of America was received until XXXX, XXXX Bank of America was denying the claim and will be reversing the previous credits issued. The claim was escalated with Bank of America on XXXX ( case # XXXX XXXX with XXXX who agreed to reopen the case but also advised we file with CFPB. Please see all documents attached including receipts, refund acknowledgement and subsequent BOA claim denials.

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