vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: URS Holding, LLC
State: MI

Complaint narrative:
According to Alltran 's record, they received my student loans with a balance of {$38000.00}, from two consolidation student loans that I refinanced on XX/XX/XXXX for {$21000.00} and {$6900.00}, respectively ( although that is a dispute by itself ). They received this account in XX/XX/XXXX. So the defaulted loans were not paid from XX/XX/XXXX-XX/XX/XXXX ( 38 months ) by the time they received them. They both have a fixed interest rate of 5 %. No other fees were indicated prior to defaulting. So the total amount in fees, using a compound interest calculator with a 5 % charge would make the new balances for the loans {$8100.00} and {$25000.00}, or a total of {$33000.00}. In that contract, the fine print indicates that once it's defaulted, the collection company ( Alltran ) MAY add up to 18 % in fees for collection. Even if that was done according to the contract, that would be a total of {$6000.00}. The cumulative total would be {$39000.00}. This year, without any formal notice or anyone reaching out to discuss repayment options ( or without any bills or other correspondence ), Alltran garnished my tax return for {$8400.00}. If that was applied to the total balance, which is have reason to believe is completely inaccurate, that means my total debt would be {$31000.00}. The excess fees are not in the contract. The interest accrued and charges are not in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I would like to file a complaint on XXXX XXXX XXXX and Pressler & Pressler XXXX and P & P garnished my wages and won't give me the details or information on the debt. 
On XX/XX/XXXX P & P gave orders to my work place to garnish my wages. 
On XX/XX/XXXX I send an object letter to the XXXX County Court. 
On XX/XX/XXXX I went to court and P & P did not show up they called on the court phone. I asked the court clerk why they did not show up and she said your lucky you got them on the phone. 
When I asked the court what this wage garnishment is the judge asked P & P and they said they said " dont have the details and can't give me any details ''. 
I asked the judge how do I know its mine and she said there is a court order and I said I never got a court order. 
The judge said I can't help you, I only have to follow the law. 
Its looks like P & P and XXXX are up to their old tricks again by not giving me any info on this old debt using flimsy and nonexisting evidence. 
XXXX and P & P violated the fair Debt Collection Practices Act : Made false or empty allegations about consumer debts : Filled against me without sufficient basis Filed lawsuits based on unreliable or false information : Dont have any details on the debt. 
Harassed consumers with unsubstantiated court filings : I did not get any court date when they filed the complaint against me and they won by default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
Person in charge, I am writing this complaint because I have been getting harassed by DEBT RECOVERY SOLUTIONS. They have placed multiple collections on my credit report and have duplicated many of them. When asked when these medical bills went into delinquency, I was told in XX/XX/XXXX. I have always had medical insurance and not sure why they were billed. After several attempts to collect money from me and threats, theyve decided to place 9 accounts from XX/XX/XXXX on my credit report. 

Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XXXX, XXXX, XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX I have contacted this company by mail asking to delete this medical bills for my credit profiles and they have not responded. I have requested a validation of these bills and they sent me only a notice that it was in collections. They have not validated or verified these accounts. Please help me remove these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
We have been Opted Out of overdraft protection with PNC Bank for a very long time. Even though we are opted out, we have been charged many fees. We have called PNC about this issue, but are told their policy is to only offer 1 " courtesy '' refund every year. We repeated to the representative and manager that we should have never been charged these fees because we are OPTED OUT, but they were firm that they are following PNC 's policies and they can not refund us for the charges we incurred. They also said that we can not " opt out '' of overdraft for recurring charges, even though we do not want ANY overdraft protection. We want the transactions to be declined or the checks to bounce. In XX/XX/XXXX &  XX/XX/XXXX alone, we were charged the following : XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have fixed rate mortgage with US Bank with principal and interest payment of XXXX per month. 
In XX/XX/XXXX, US Bank stopped accepting this payment as they did not apply the checks we sent. 
Apparently, US Bank decided that my payment should now be XXXX monthly and therefore did not accept this payment. 
They were billing me for escrow even though I always pay my own taxes and insurance. 
We have tried for the past year to get this rectified by working with US Bank directly. ( Note that this happened to us one year prior and we were able to resolve by dealing directly with US Bank ). There  were many phone conversations between my wife and US Bank over this past year where the situation was explained and they would tell us to send a payment XXXX for each month that was not applied and the problem would be resolved. We did many times send the agreed amount and US Bank would take the money and then post the amount back into our account 10 days later. I am attaching screenshot from my bank account which show the US Bank taking payment from our account and another attachment which shows them returning payment several days later. 
Most of the time, these payments were made as a result of phone conversations that my wife had with US Bank representatives and this was mutually agreed amount. 
In some cases, we did get some followup emails from the US Bank representatives which I will attach to this complaint. 
In the attachment fromXX/XX/XXXX - US Bank asked us to send a check for XXXX of which XXXX will be applied to the past mortgage ( principal & interest ) and there will be a refund of XXXX. As I write this complaint, we have still NOT received this refund. Furthermore, we received additional emails from US Bank stating that our loan is in foreclosure or loss mitigation - please see the attached email from XX/XX/XXXX. 
At this point, all we are interested in doing is paying off the mortgage and get out from this nightmare! We do not feel we should be held accountable for any late fees or penalties because we acted in good faith continually through this process. These practices by this institution seem very predatory and I can not believe they are legal? We have acted in good faith in trying to get this matter resolved directly with US Bank but this seems impossible. We are ready to borrow against my 401K to pay off the loan. 
This has caused an unbelievable amount of stress for me personally and my family of nine. My health is suffering because of this, I can not sleep at night and my wife and I argue consistently about this. We fear greatly that our home will be snatched from us by these practices instituted by US Bank. Please help us!

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 2018-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Since XX/XX/XXXX I have been having financial issues. I have called the company Freedom mortgage for help to keep me from being late. No followed up. My payment changed in XX/XX/XXXX which I did not know so I was short XXXX bucks and considered late. I called about getting paperwork to refinance my home the following month is when I found out. I tried to get this resolved and paperwork for three months. I also have been having to pay my mortgage in payments as I get it but always get it to them before the end of the month. The way they apply my payments has started to make my account look off. They are also posting payments several days after they receive but continue to say they post same day they receive. However, I am Positive they do not. I am a bk   person whose mortgage was not reaffirmed. So with that being said they have told me they dont send statements but every now and then, they dont update my online account every now and then, wont give paperwork work to refinance, but will tell a refi company Im late on my payments. I am in a adjustable that i need out of and I want to leave freedom mortgage they are horrible at helping and handling my account. I have called every month for help and every time I am told something different and only given scripted answers and nothing is ever resolved. As a veteran and customer this is disappointing of how I am treated and how they are hindering me from getting my house situation together and KEEP MY HOME! Their practices are horrible and I know I am not the only one who feels this way. I have had my home for 8 years and have never been late or considered late up until now! I want this fixed and to get away from these predators!

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 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had a car accident, the police called a towing company to pick up the vehicle while I was hospitalized. After a couple of days I filed a claim with my insurance provider. Then I received a letter in the mail by the police as too the where about of my car, and that the police station placed a hold on my car. I went to the towing company to see the car and took some pictures, and tried to release it to the insurance company but they said they could not until the hold was payed off first from the police. I paid of the hold and gave the document to the towing company, which they said they would releases the car to the assessors when they showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITIBNKN/A is reporting two student loan accounts that were sold to XXXX in XX/XX/XXXX. There are two accounts listed in the amounts of {$3200.00} and {$2300.00}, I confirmed with XXXX XXXX/XXXX on XX/XX/XXXX that they did indeed acquire the loans from Citibank and that Citibank should no longer be reporting these loans on my credit. I have left several messages between XX/XX/XXXX-XX/XX/XXXX at XXXX, which is supposedly there student loan hotline, and no one has called me back. So on XX/XX/XXXX I called Citibank 's general line at XXXX it was confirmed by a representative that I have no open loans or trade lines with them.

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 2018-06-27 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: NC

Complaint narrative:
I have written to Transunion on several occasions requesting verifiable proof and original documents of my authenticated signature, having also provided them with federal fraud affidavits and proof of on-going theft regarding my identity. The item in question is the result of a merger of a former spouse 's credit report with my own. I am not the owner or co-borrower on her home. The account # is XXXXxxxx ( XXXX XXXX XXXX ).  XXXX and XXXX have promptly removed the item and were required to share this information with Transunion ( violation of FCRA XXXX Section D ). Transunion removed the item on XX/XX/XXXX and re-reported it on XX/XX/XXXX in violation of FCRA XXXX. I have written to them XXXX times requesting the " verifiable proof '' that they claim to have utilized, knowing that even XXXX XXXX XXXX does not possess a document with my authentic signature. They have not provided me with any of the documents that I've requested, a violation of FCRA XXXX. I wrote to them again on XX/XX/XXXX and they obviously employed the use of E-Oscar to verify the debt by sending a response on XX/XX/XXXX. They are not taking this matter serious, having continuously and egregiously violated FCRA XXXX, XXXX and XXXX. I began writing to them on XX/XX/2018 in hopes of having this resolved. I am now prepared to file suit and will be writing to notify them of such if there is no resolution within 15 days.

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SLM CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX approved a fraudulent student loan # XXXX loan type XSPP for {$4500.00}. They said they may have used electronic signatures without my presence. This is not a practice of due diligence. I was notified of default whoch took until XX/XX/XXXX to resolve with help from XXXX paid by taxpayer dollars as was report filed by local police paid by taxpayer dollars and caused XXXX and XXXX XXXX to me as a victim of avoidable fraud. XXXX XXXX is guilty of a practice that harms many types of consumers as a private institution. Many think it is a governmental entity unfortunately. I was forced to freeze my credit which hampers activity as simple as utility billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Ability Recovery Services, LLC
State: SC

Complaint narrative:
This will be my third complaint submitted regarding this company. XXXX XXXX XXXX, a credit agency working behalf of XXXX University. In my last complaint I explained how the information provided was inaccurate. I requested that the information regarding a collection account on my credit report reporting negatively be validated. Until this day this information still has not been done. The company however did send a letter that I will have attached to this compliant. This letter states information that AGAIN I want to VALIDATED. Due to the lack of cooperation with this agency I went to the source. My XXXX provided to get them to validate the information. This could not be done. Due to XXXX services not being able to validate this information this loan along with other loans have been deleted from all three credit bureau. I will provide a copy of the deletion from XXXX credit bureau to this complaint. If this was case that XXXX  services could verified and validate I would cooperate with the company how this could not be done. At this point and time I am considering the actions by Ability Recovery Services and XXXX University as harassing and will continue to go as far as needed to settle this matter. I am currently working with my attorney to see what is needed to take this case to court if this account is not delete from my credit report. This company has failed to provided the necessary information and the main source of their information XXXX has step up and deleted the account from all credit bureaus due to it being inaccurate.The company is reporting funds were returned to XXXX  XXXX however XXXX XXXX has deleted this account along with other due to inaccurate information. I will allow 30 days for this company to respond appropriately by deleting this account from my credit report. If this action is not taken I will move forward with the next step in the legal process.

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 2018-06-27 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: MN

Complaint narrative:
I filed for loan forgiveness in XXXX through Sallie Mae/Navient XXXX due to a total and permanent XXXX and had to jump through hoops for 8 years to make sure the total and permanent XXXX forgiveness went through. In XXXX I filed a XXXX form with my taxes after receiving a letter in the mail from Sallie Mae stating that my {$32000.00} worth of private loans had been removed off my credit and permanent record. Mind you each year from XXXX through XXXX I had to send in a copy of my taxes with all of my medical records and letters stating that I was indeed totally and permanently XXXX. I also contacted the Department of Education for the state of XXXX   who has also stated that the private loan for the above amount should have been permanently deleted from my credit and permanent record. I am contacting you because as of today XXXX XXXX The agency that collects debt ) claims that I still owe the amount even though I sent them a copy of my tax transcripts and a copy of the letter they sent me stating that the loan had been forgiven. This has been damaging my credit and has also caused lots of stress due to their incessant phone calls telling me I owe them money. I have called them several times since XX/XX/XXXX to try and get this resolved and they simply will not resolve it unless I pay the above listed amount, which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: FL

Complaint narrative:
I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX  degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC purchased our mortgage. We DID NOT originate with them. We had a flood in our home which caused over {$40000.00} in damage. Our insurance company listed PNC as party to the claim check for rebuilding. PNC made us send them the check and now refuses to release any funds even though we've completed the work and had to pay for all of it out of pocket. I ( the owner ) performed all repairs myself, with my own hands, yet PNC is trying to force me to buy liability insurance at a cost of {$1000.00} insuring myself against any liability arising from me suing myself ; which is absurd. Further, PNC claims XXXX law requires me to have a license to perform repairs to my own home ; which IS NOT what XXXX statutes stipulate. I have spent approximately 6 hours on the phone with PNC in an effort to resolve the issue. At XXXX point I spoke with a person named XXXX ( XXXX hours on the phone ) and XXXX said, after reviewing our closing documents and speaking to multiple supervisors, that I did not need the insurance and that I could make the repairs myself. Thereafter, when I called back because no check had been sent, the new agent on the phone started from square XXXX saying I had to have insurance and a license. It was as if the previous ( grueling XXXX hour argument XXXX call with XXXX never happened! At this time repairs have been completed but PNC refuses to send their inspector out to confirm completion of the work or to release any funds. Due to PNC 's illegal holding the proceeds from our insurance claim my wife and I have been forced to come out of pocket to pay for the rebuilding of our home and load up our credit cards paying for materials. We incur interest on that debt. A law suit is pending, however, consumers should be aware of PNC 's awful practice of holding your insurance funds hostage after your home has been destroyed by a flood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Valentine and Kebartas, Inc.
State: OH

Complaint narrative:
They contacted my employer in XX/XX/2018. I do not owe money to this company but yet told my NEW employer of less than one month that there was a court order against me.

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