vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I have been a XXXX  for over four years now. As a XXXX, I qualify for the PSLF program. I have been making payments since 2014 on my student loan. Recently I found out that I was put into the wrong program for qualifying payments. After paying back about {$14000.00} dollars in student loans, It shows that I have only had 6 qualifying payments. SIX!! I did the math and based on my current monthly payments, it calculates to about 70 qualifying payments. I tried to call the phone number and they said that I wasn't in the correct repayment plan. They knew I was a XXXX and they placed me in the wrong program. I tried calling the Department of Education ; still no help. It's a shame that this company is the only option for PSLF because based off of all the negative reviews and complaints, they are taking  advantage of XXXX like myself and others. For a company to prey on the people that work in the public sector is a shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is regarding my XXXX XXXX Mastercard and Better Balance Rewards credit card by Bank of America. The accounts were opened in XXXX. I had completed my bonus sign up offer for the XXXX XXXX Mastercard. After the initial payment, there was a balance on the credit card. The creditor failed to send statements to my address and email address to notify me of this balance causing a negative report to appear on my credit reports. 

After calling and making the payment to the bank 's collections department, they assured me that there was no balance on the credit card and no further payments would be required. They assured me this more than once. After several months in XX/XX/XXXX, I received a notice from Bank of America in my mailing address that both my credit cards, XXXX XXXX Mastercard and Better Balance Rewards, were being closed due to negligence in payment. I called in and they told me that there was a balance of {$25.00} + late fees + interest on that amount on the XXXX XXXX credit card. I spoke to them that I had called earlier in the year to make sure there was no balance on the card since the payments were already late once. They said that there is nothing they can do and all negative reports will be put on the credit report. Due to payment negligence, they had closed both my credit card accounts without my permission or authorization and submitted a negative report to my credit file at XXXX, XXXX, and 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 monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Every transaction for the Wells Fargo issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet Wells Fargo was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX has reported the incident to Wells Fargo to which the CEO contacted him recognizing there is an issue. XXXX XXXX did not engage in a phone call, as the correspondence with Wells Fargo already stated to never contact him with the only " legal '' option being account closure. The communication of only ( 2 ) messages is easily retrievable. Wells Fargo has now been calling up to ( 4 ) times a day with ( 3 ) times most days for multiple weeks. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. No other organization ( not just financial institutions ) has engaged in such incessantly intrusive and harassing activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a new XXXX XXXX pickup truck in XX/XX/XXXX. The loan was through Fifth Third bank. I provided proof of insurance at the time of the purchase making 5/3 bank the loss payee. In XX/XX/XXXX I started receiving notices that they could not confirm my insurance on the truck. I sent them the declaration page. XXXX I received another notice, same issue. This time I had XXXX XXXX send in all the insurance information as proof of insurance. For the next 5 months I continued to be inundated with monthly bills for unpaid insurance amounting to {$4600.00}. 5 bank was charging me approx {$1000.00} per month for what they call collateral protection insurance ( CPI ).  All along I am emailing them proof of my insurance. On XX/XX/XXXX, they repossessed my truck at XXXX, from my driveway. I received a threatening letter from XXXX XXXX and one from XXXX XXXX ( VP ) stating they have my truck and unless I pay the {$4600.00}, they will sell my truck at auction on XX/XX/XXXX. So i didn't have my vehicle for 2 weeks and this was a huge burden on my schedule and my family. The problem is the 3rd party insurance company they own has call screener 's so there is not just one person handling an account. When I tried to explain the situation to the bank, they blame it on the insurance company and vise-versa. In my opinion this is a scam targeting high end vehicles, because they know they'll pay off just to get the vehicle back. I did not pay them off and they realized that they had no legal right to sell my truck for an unwarranted claim. Then they said I had to pay the {$400.00} towing bill to get my truck back! Why? Fifth Third bank made a phony claim, why do I have to pay? They eventually dismissed all charges but the damage was done. When I got my vehicle back my keys did not work because the had a locksmith go to the impound lot the very next day and have keys made. When they did this my programmed keys were erased and my theft deterrent system is now damaged. I had to tow my vehicle to the dealer to fix it and that's where it is today. All this because Fifth Third bank tried to squeeze {$4600.00} out of me. This is a scam and needs to be stopped. I'll never deal with this bank again. I also informed the nationwide dealership to consider the loans they are selling to their customers because of Fifth Third Banks unscrupulous business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX The above called me before XXXX CST. This occurred in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I keep getting calls from XXXX XXXX XXXX. They use different phone numbers every time but I have kept track. I have requested to be removed from their list every time and yet they continue to call. They are trying to contact my father, but I am not responsibly for anything related to him have no knowledge of debts he owes so they need to leave me out of it. They have called me a total of five times after I initially requested to be removed and this last time they said that previously my name was not added to the Do Not Call list. This is illegal. I have nothing to do with the debt owed and have requested to be removed. This needs to be handled. 

I received calls : XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX STOP WITH THIS ILLEGAL PRACTICE.

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 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my {$5000.00} check from the State of CA. I deposited it on my account last XX/XX/2018 and there was a hold. I called the customer service about the hold and I was told it is federal regulations and I am ok with that. However on Saturday, XX/XX/2018 after I checked online, all the funds were released. However, last XX/XX/2018 my account was blocked and was told that there is fraud in my account due to the check that the State of California Return to Work Supplement Program sent to me. 
Upon knowing that my check was cleared, I started paying bills and credit cards. However, they were all returned due to the blocked that Citibank put on my account.

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 2018-09-20 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: FL

Complaint narrative:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business  procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
This is the second agency trying to collect on the same debt that has been submitted to FTC months ago. I called XXXX  about the account in XX/XX/2017 to be closed which it was continued to be billed until XX/XX/2017. I contact the original creditor which states they could not zero the balance because it was sold to collection agency.

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 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from PHH Mortgage Servicing that I had not made my XXXX payment, and demanding payment plus a late fee immediately over the phone. I knew my payment had been sent via ACH on XX/XX/XXXX. the agent verified they received the funds on XX/XX/XXXX, but stated they had applied them to my principle, and again demanded payment. I explained again, she claimed I failed to make the full payment, so they applied it to my principle. She refused to provide a Supervisor when I asked for one repeatedly. The claimed my payment had gone up due to my escrow, even though my escrow was refunded for an overage. So, once again, they have messed up my escrow and raised my monthly payment without notice, or reason, since my taxes and insurance premiums have NOT increased! I am beginning to believe they are putting these extra payments in THEIR pockets, since they can not or will not explain WHY my payment increased by {$60.00} per month. Their Tax Dept confirmed they have the wrong tax amount XXXX it's too high ) but only by about {$100.00} annually. Their tax dept is researching, but can not explain the higher payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
In XXXX of 2018 I XXXX XXXX XXXX and had to cancel an XXXX. Their policy is to refund your money. XXXX never refunded my money. I called Barclay Bank and disputed the amount. After they investigated they denied my dispute. XXXX finally admitted they owed me the money and tried to credit it to the account. Barclay will not close the dispute which in turn XXXX can't credit me the money. This situation has been ongoing for 5 months. It is unreal!

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
XXXX  is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to XXXX, they claim they can not ADD this account unless Union Bank reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have made multiple requests of validation for an account with XXXX XXXX   collecting on behalf of XXXX XXXX that currently appears on my credit report. XXXX XXXX has been unable to provide validation that meets federal requirements. Despite their inability to provide proper validation TransUnion has decided to continue reporting this information on my credit report. I received a notice from XXXX XXXX XXXX  on XX/XX/2018 stating they now own the debt, further making the entry from XXXX XXXX invalid. I have requested validation from XXXX XXXX XXXX  and am optimistic I will receive the needed information to determine the validity of the debt they seek to collect. Since XXXX XXXX no longer owns this debt and the current owner has yet to validate the information, I respectfully request that you remove this entry immediately.

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 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/2018 a letter was sent to verify the debt. XXXX XXXX XXXX never sent me any documentation verifying that the debt was mine. I do not recall this debt.

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 2018-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Morning, On XX/XX/XXXX I was trying to login to my bank of American acct, I couldn't log in so I left to the gym and I didn't put attention next morning I got a notification the I was low on my acct so I try to log in I couldn't I have to reset my password so I change my password and that's when I found out the some one make a transfer for XXXX I make police report. A week later they call me saying they were able to give me the credit back because they were saying i was the one who make the transaction and i told them i don't know this person i don't know the email address or phone number and until now we are in XXXX they don't want to do anything because they need proof i don't have any proof i send out proof from XXXX the we got a notification saying the they stole customer information. i don't have anything else to proof the it wasn't me, they know where the money when they have the other person information but they still think it was me who make the transfer. last thing i want to mention i didn't get a notification when the person make the transfer and they saying they did send me something and when i change the email address i did receive a notice, thank you and i hope you guys can help 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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to EQUIFAX, they claim they can not ADD this account unless XXXX XXXX  reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
i call twice so i can get a proof of debt, had not receive anything showing from what the debt is coming from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi I have concerns about my bank of America checking account. I have been a long time customer with Bank of America. I have been charged a monthly fee of XXXX $ every month. If you have direct deposit, there is no fee charged. I read this online back in XXXX of this year. Naturally I went to the bank the next day. The Bank of America Branch located in XXXX, Ma on XXXX XXXX. XX/XX/XXXX, I explained my situation, I was told I have an old checking account. So I switched to a new one. It's called Core Checking. I explained that I have direct deposit through my Place of employment. I asked how long has this new type of checking account been available. I was told it's been available for 3 years. So basically Bank of America has been charging me XXXX $ every month even if I have direct deposit. The only refund I have received was XXXX dollars. That is unacceptable!! Point blank I never received any information any communication what so ever. I'm entitled to a refund. Not to mention I have contacted the XXXX. They can not help me, they referred me to the CFPB. Can you please help me out with this problem?? Thank you. XXXX XXXX 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 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
not my debt

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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.

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