vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Elderly woman 's bank account was frozen by Wells Fargo branch in XXXX, NC. Reason given was for non payment to the NC DEPT OF REVENUE in which she was supposed to pay XXXX dollars a month to satisfy a debt owed. I Called the bank and asked what could be done to have the account unfrozen so that the woman could could pay her bills. The representative told me that if she authorized a payment of {$190.00} to the entity owed the money that she then would be able to have access to her account in order to take care of her business. After paying XXXX dollars the bank said that it could take up to 24 hours for the release to occur. That date was Friday, XX/XX/XXXX. On Monday XX/XX/XXXX she went to the bank to withdraw money in order to pay her bills and only XXXX dollars was left in her account out of XXXX dollars. Now this woman has to face eviction and utilities shut off. After further investigation of the matter, it turns out that it was not The Dept of Revenue, but instead a car rental company that said that she owed money for a car rental. The bank charged her XXXX dollars and then gave her money away without her knowledge or authorization. She is now fighting a losing battle with the bank in recovering her money. Could you or someone help this poor woman?

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 2018-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had an unsecured personal loan with Citizens Bank that I had gotten when I was in their employ. A few years went by and I no longer worked for them and the loan was paid off. 

I thought everything was great and I still had a decent image of the company, so my fiance and I decided to open a joint checking account there. Then a few months after having the account, my debit card stops working on a Friday afternoon, which was odd because I had gotten paid that day and there was ( should have been ) a few hundred dollars in the account. 

I log into my online banking to see that {$280.00} or {$380.00} ( it's been a few months ) debited from my account and all it says is " dda memo ''. I know from working for them for over 5 years that this means that the bank itself has taken money for something you owe ( an account sent to collections ). Which I'm not aware of anything that I may owe, because I had paid off the previous loan and had received no correspondence in the last 2 years since I had banked with them that anything was outstanding. Also, nothing had been reported to a credit bureau. 

Best part is, they did this right before closing on a Friday night, so I'm frantically making calls to find out what's going on, only to be told that all the departments I need to talk to are closed and don't reopen until Monday morning. I spend all weekend with no money and not being able to pay the bills that money was to go to. 

Monday morning I finally get to talk to someone after being transferred a handful of times to find out that apparently my loan had been paid off, but for some " glitch '' the system never recognized the payment and the system decided I owed that money and just pulled it from the deposit account that I had with them. Basically an " oops, sorry, the computer messed up ''. They offered to fix the issue, however the refund of my money could take up to 48 hours to be refunded to my account. So, they can take money instantaneously but make you wait to put it back. 

I ended up getting my refund, but then about a month later I got a letter in the mail showing the amount and letting me know that the loan, which I thought had been paid off years before and had been reported to the credit bureaus as closed, was now paid and closed. 

All in all, just a ridiculous situation with some shady bank practices and I closed my accounts and will never bank with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 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: Nelnet, Inc.
State: GA

Complaint narrative:
The lender began asking for payments without my knowledge, due to the fact that I changed my address. As a result, my credit score began to slowly drop lower and lower, without my knowledge, destroying my credit. I have not talked to them because I don't know how to contact them. I am willing to begin making payments but I need help resolving this error in my credit report beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had filled a complaint with you guys a while back the company cost me a job several to honest they harassed me greatly calls to my cell home and jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reported 3 collections on my credit report all from the same company XXXX XXXX. I disputed the report twice as these were corporate expenses not personal expenses & the corporation XXXX XXXX Under is defunct and dissolved and should not be reported on my personal credit report. 

In my dispute I have requested documentation from XXXX showing that this is a personal expense and they have not produced any. I have also called XXXX several times and left messages, have not heard back. 
I have also reached out directly with all 3 creditors and can not get a response. 

I am appalled and shocked that with no documentation or proof one can report to a credit agency and have it remain. This clearly is a business expenses through the corporation & therefore should not be reported on my personal credit report. 

Attached below is my dispute with Experian and the results These 3 collections appear only on Experian.

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 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I bought 4 music festival tickets from a guy named XXXX XXXX on XX/XX/XXXX with the agreed price of {$150.00} each. I relied on him, since I already bought 1 ticket from him the year before ( payment was made via XXXX ). 

He requested the money to be transferred through XXXX - an application that connects with most banks in the US and  approved by PNC, he explained he doesn't want to use XXXX because it holds his money for too long. I made some quick research and reviews about XXXX, and feel rather confident since especially it is linked directly with PNC bank. 

The guy sent me the email with the ticket order confirmation on XX/XX/XXXX, and I went to collect the tickets the next day. Once I have those tickets, I immediately transferred the total amount of {$600.00} to him using XXXX on the PNC banking app. 

However, when I went to the concert on XX/XX/XXXX, I was told that all our four tickets were cancelled through the credit card that was used to order the tickets. 

I contacted the XXXX immediately by texts and calls and he texted me back saying that he would send me new confirmation number so I could pick up the tickets again, but he never did. I have later made multiple phone calls to him, but he never picks up his phone anymore. 

I have contacted PNC bank trying to cancel the transaction, however, they said that the money couldn't be recovered or put as disputed money anymore. And they are sorry. I feel like being betrayed and mislead by PNC for the fact that they back up a money transferring system that has no protection to its loyal customers. I have used PNC as my primary bank since I first came to the US six years ago, and with this incident, it is very hard for me to have my trust in the bank again. 

I also contacted XXXX both online and via phone, and their customer service is of no help. 

I went online and found that there were other people who had suffered money lost because the way XXXX and PNC handling transferring money transaction. All of them thought it is a safe service, because, if not, how come it links with their banks?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). 

I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. 

This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. 

I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. 

I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. 

Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX filed bankruptcy, one of the reasons was due to illegal practices involving student loans. Words like " Predatory '' and " Deceitful '' practices were being used to get students signed up for loans. 
I want to know why I am still required to pay, 11 years later, on a debt that was procured in this manner? Why has the debt not been forgiven? Aren't I just paying into something that was deemed illegal at this point? 
What are my options to get this debt erased and possibly defrauded monies refunded to me that I have paid over the past 11 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tate and Kirlin Assoc
State: KY

Complaint narrative:
I pulled my credit report on XX/XX/XXXX after being denied a home loan. Denial was for a {$9600.00} debt from XX/XX/XXXX. 
I called the company listed on my credit report on XX/XX/XXXX. They referred me to a law firm, Tate & Kirlin. 
I called Tate & Kirlin Associates on XX/XX/XXXX. I was told the debt was a credit card that was opened on XX/XX/XXXX and last closed XX/XX/XXXX. I was not aware of the debt. 

I have a credit report that I pulled on XX/XX/XXXX which did not reflect any issue of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with navient and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
Since XX/XX/2018 XXXX XXXX Private Student Loans have been attempting to process payments on my loan. They have been threatening to default my loan. I have provided 3 separate debit cards. Each of these cards were declined upon attempting to charge a payment. The accounts have money on them and the bank states that XXXX XXXX is sending strange transactions in the amount of XXXX $ and that it is their problem processing payments. XXXX XXXX opened an investigation into this matter but is still threatening to default on my loan. This is causing me a great deal of stress and depression. I am under constant threat by XXXX XXXX for their own system issue. I am willing and able to make payments from the same card I use to buy groceries and withdraw money from every single day. The manager of my account at XXXX XXXX XXXX XXXX XXXX lied multiple times about events on my account. XXXX XXXX claimed that I have not provided my checking and account number when I have and claims that my bank said that I do not have money on my account. When I called my bank multiple times, even with a XXXX XXXX representative conferenced in, they said I had money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Student loans from multiple college consolidated into Sallie Mae loan which was supposed to be forgiven after XXXX year of being XXXX XXXX but instead they're still trying to collect & I've now been XXXX since XX/XX/2000. My doctors have repeatedly filled out their forms but nothing is done about it. My student loans of {$300.00} are now with interest! XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with XXXX and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCSPLUS INCORPORATED
State: NJ

Complaint narrative:
I went to XXXX XXXX COLLEGE in XX/XX/XXXX. I received FAFSA and they handed me a refund check. Sometime later, they stated they refunded me the incorrect amount. I asked them what was the amount due back to them ( I can't even remember now, but i know it was around $ XXXX-XXXX ) and I was unable to pay them back as I was a broke college student. Months later, I saw they sent to me collections for {$1200.00}. I was very upset, so I called them to let them know that the amount was incorrect and that was FALSE reporting. The woman on the phone said they will remove it once my debt was paid, I told them to correct the balance and they REFUSED. Fast forward to XX/XX/XXXX, The debt IS STILL THERE and it's still with an incorrect balance of {$1200.00}. I contacted XXXX College ( because XXXX XXXX college has since then DISAPPEARED and " merged '' with XXXX College ) and I received a letter stating that my debt was {$340.00} and they contacted the agency to correct the amount on my credit report ( letter is dated XX/XX/XXXX ) but it still reflects {$1200.00}. This has been on my credit report for 8/9 years. I thought these debts have to be removed after 7 years. This has truly affected my credit and if it were fixed YEARS ago it would have been paid, and I could have bought a house but because my credit STINKS because of them, I am not able to do the things ( such as buy house ) I need to do for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I lost my job so my mortgage was transferred to Bayview Loan Servicing. I was working on getting back on track with a three-month trial plan that would avoid foreclosure and allow a modification. 
I made my first payment XX/XX/XXXX. When I called to make my second payment XX/XX/XXXX, I was told that I'd never made the first. It came out of my bank, so I had my bank look to see where it went, and it showed that Bayview put it in the wrong account. ( attached ) I also found out that because I'd " missed '' that payment, they had sent my mortgage to foreclosure. 
At that time, I called several times to get it fixed. An escalation " expert '' told me the only way to get anything to her was fax ( no email, which I later found was untrue. I could have emailed ). I purchased an online fax app to be able to get them what they needed. Still nothing. 
I did call their attorney to find that, at least, the foreclosure was frozen and nothing had moved on it. 
Finally, after nearly a month of calls they fixed it. 
Still there were issues on amounts. They supposedly now have paperwork backdating the first payment. 
I have since completed the three required payments, but the modification would have added 12 years to my mortgage, so I said I would rather just pay the back amount owed in increments. It's listed as about {$7000.00} but that's an issue as well. 
In that is about {$1800.00} or more in legal fees they paid to start the foreclosure process. A process that only happened because of their mistake. There is paperwork in their computer, I was told, that shows they backdated my " found '' payment to XX/XX/XXXX and that the foreclosure proceedings began XX/XX/XXXX. The woman I was working with agreed that this should be looked at. Two weeks later, still nothing. And now my mortgage is due again but when I called yesterday to check in and pay at least this month, I was told I need to do it through the person assigned to me. She failed to call on the appointment they gave me with her. 
And, I have a letter from the company saying that, since I didn't take the modification, I can either sell my house, have a pre-foreclosure sale or give them the deed to my property. 
Really? Because those aren't my only options. But from what I've seen in my brief online research, this company is good at forcing people into foreclosure and taking their property. 
So, I need this looked into. Not just for me but for the other people they may be doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I paid Global Lending Services the balance of {$24000.00} in XX/XX/XXXX on a XXXX XXXX XXXX. I received the title and original contract stamped paid weeks after. My bankruptcy case was demised in XX/XX/XXXX and global lending bankruptcy department put a repossession order on it XX/XX/XXXX.I can get anyone with the company to tell me when they will release my vehicle. I sent them all the supporting documents but I have yet to get remedy with global lending services.

Company response to consumer: Closed with explanation