vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for 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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything

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 2017-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PLS GROUP, INC
State: CA

Complaint narrative:
PLS Loan company contacted me through my employer by calling my work phone, which is n't allowed at my job and attempted to scared me by saying they have me on record stating I refuse to pay my debts when I clearly said " at this moment I will not be paying off that loan '' The operator was extremely hostile and demanded money or they would take further action, but did not explain what that meant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I am a XXXX employee who has consolidated and as an attempt to control my payment amounts as well as pay off my debt in 10 years to earn total forgiveness. However, I earn about XXXX a year and have additional responsibilities, like family, mortgage etc. My payments continue to increase so much so that i have begun to be geared toward forbearance over several years. This pushes back my XXXX plan, accrues extreme interest and does not allow me to make any progress on my approx. $ XXXX student loans. Student loans are bankrupting me. A huge portion of my loan was taken out at a college that was not even accredited at the time for the XXXX program I was in. There is no way to dig out from the burden of the student loans I was foolishly allowed to borrow as an unsuspecting college student. I am in a good job with a decent salary and I still can not afford my payments. There are few jobs that allow students to earn enough post graduation to afford to pay back student loans plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Along with this, they have sent various letters after making online payments stating that the bank has denied the payment and returned it. I check my bank account various times during the day and not once has it showed a return payment or any type of nsf fee charges due to such. I talked to Midland credit about this and the response was that the letter is automatically generated due to not having recurring payments set up in order to pay the account.They have also stated that if not paid they would take it to court, I have tried to settle the debt, I agreed to go online by the end of month and pay XXXX each month.

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 2017-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
When calling XXXX to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from Capital One. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with Capital One letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK
State: MO

Complaint narrative:
An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I hand it a {$9000.00} in cash to a teller at my bank without a deposit slip. She took the cash and run it through the machine, I did not have a visual to the counter and she moved to the side with cash in her hand talking to the teller next to her for a minute or so, then she came back typed in her computer and hand it a receipt to me with only {$8000.00} in it, I told her that I had brought {$9000.00} and I want her to recount the cash, she told me that she has put the money into the recycler and she ca n't opened the safe so I asked for the manager, she told me the manager wo n't able to opened it either. So I told her that I 'm going to check my record at home and I will be back so I did, came back and I asked for the manager. He also told me that he ca n't open the vault until the closing but he will call me next morning at XXXX. I had to call him after XXXX. He told me that the cash in the vault was balance and there was no overage so I asked for an investigation. The only things the bank did is run an audit but never investigated the incident. I wants for the bank to investigate to the full extant of what happened including visual video footage and also documents of that day cash reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Bank allowed a fraudulent check to go through my account. XXXX allowed my personal check to be cashed by one of their members and did not see that who signed for the check is not who the check was made out to. Chase, my bank, allowed that transaction, also ignoring that who signed for the check was not who it was made out to. I also blame the person whose job it is to scan the front and back of checks to people 's accounts for viewing purposes, because they even let that go! 

Also, Chase lied and said they have supervisors in the Claims department who can address getting my {$600.00} back by requesting an escalation on my signed affidavit and over the phone. A telephone manager ( " XXXX '' ) today said there is no such process. This was Chase 's fault. It is clear to even a nonprofessional banker that a thief signed their name on the back of a check that is not made out to them, yet I have to suffer 30-120 business days before possibly getting my money returned to me. 

Chase has the proof this is fraudulent. They also have my signed and notorized affidavit. I want Chase to give me my money back now, because it was their error, and they can chase after XXXX for the money. It is the fault of these two corporate banks, not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
For the 4th time, I have called this bank today about a discrepancy in the sign-up bonus on a credit card. This stemmed from an error on their website where the promotional code for the bonus did n't seem to be included with the application. I immediately called them two weeks ago on XX/XX/2017 when I noticed the issue after completing the application. They told me they were taking notes on my account about the promotional code XXXX for XXXX miles and not to worry, that I should call back once the credit card is approved and they can add it ( the second time was when I got conditional approval but I was asked to call back again ). I called a third time when the card was actually approved and they asked for the code and said it was no problem to apply it to the card and that they would. Now, since I only received XXXX points and not the XXXX I was expecting, I called again and asked why there was the discrepancy and why the code was n't applied. The agent claimed there were no notes on the account about this but he had sent a request to his supervisor to apply the code and adjust for the the extra XXXX miles. I have no faith at this point they are doing what they claim and telling the truth where they actually attached the code to the account and will reward the proper amount of miles and feel I have no other option but resolution by this means. I have full records of all these calls.

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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My credit card company closed my account after payment was not released by my bank even though the money was in the account the day the account was supposed to be charged. I received direct deposit from my job, and the bank did not release the funds to the credit card company. As a result of too many times this occurred, although I communicated with both my bank and the credit card company, my credit card was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following account is not mines. I have called XXXX XXXX and the collection agency attempting to receive payment, and neither one of them can tell me where the charges came from and seeing that I am current customer of XXXX XXXX, how do I have a past due amount on an account that I have been paying on since XX/XX/XXXX. The account in question : Creditor Name CREDIT COLLECTION SERVIC Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection

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 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I recently received a letter from XXXX, XXXX, XX/XX/XXXX, that my home mortgage had been transferred to Select Portfolio Services ( SPS ) and would be effective XX/XX/XXXX. In the letter from XXXX, they stated that all contract agreements about automatic payments would not change with the new service provider ( SPS ). On XX/XX/XXXX I contacted SPS ( I spoke to XXXX ) because my mortgage payment did not come out of my payment account as scheduled. SPS ( XXXX ) stated that my payment would come out on XX/XX/XXXX due to backlog on updating new accounts and another on XX/XX/XXXX to bring us online with the E-Pay contract we had with XXXX. Today ( XX/XX/XXXX//XXXX ) when I called SPS, the recording stated that this company was a " DEBT COLLECTOR ''. I have never been late with my payments to XXXX, so why a " DEBT COLLECTOR ''? I then spoke to two people ( XXXX, and his manager ( XXXX ) who told me that they did not have to honor the XXXX contract ( which was E-Z Pay, consisting of payments every other Tuesday of each month with the 3rd payment on months that have 3 Tuesdays going direct to principal ). I asked why they had not taken out my XX/XX/XXXX payment today as stated that they would and was told by XXXX that because I was ahead on my mortgage payments that they would not take any payments out until I owed. The whole purpose of the E-Z pay with XXXX was to stay ahead on payments. XXXX said SPS would honor those terms, SPS says they do n't have to, that it was not in the contract. It was optional at the time of the XX/XX/XXXX contract with XXXX to make the E-Z pay part of the contract. Once we all agreed on that option of the contract, we were led to believe that it would remain part of the contract, even if the contract was transferred. Now both XXXX and SPS are telling not only us, but other customers ( I was told this by XXXX ( 0n XX/XX/XXXX at XXXX hours ) ) that if it was an option, it is not considered binding by law. I have since in the last few hours learned from looking up customer complaints that SPS appears to be fraudulent in it 's practices. I firmly believe that once the optional agreement of a 3rd payment during the months that have a third Mon/Tue should be considered a part of a binding contract. I also want to know why XXXX was allowed to send my mortgage contract to a " DEBT COLLECTOR '' as stated clearly on SPS phone system when you call when we have not been late on our mortgage payments. That is a slap in the face to those of us who make our payment not only on time, but ahead of schedule. THIS IS FRAUD by both XXXX and SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SIMM Associates, Inc.
State: MO

Complaint narrative:
The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Netspend Corporation
State: OH

Complaint narrative:
My name is XXXX and once again i 'm writing cause i clearly do n't like the the way i was treated by net spend executive XXXX this guy is guy is liar and a joke cause when i started to explain whats going he would hang up the phone when i called back he told that call dropped i find that highly unlikely being that we both were on landlines this is that old way of controlling the conversation he said he had called me back which was lie cause i pulled records this guy think he 's playing with kid i have enough colleagues frat brother i 'll boy cote this company I 've been with this company for 10 years and its said how i 'm treated

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