vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Collection account opened XX/XX/2017 {$280.00} Was making payments for two months, stopped receiving any mail, emails, texts or calls, several months later I get my score checked and i owe the collection agency who also never sent any mail, calls, or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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:
Occurred in XX/XX/2017. Instructed that in order to participate in XXXX Public Service Loan Forgiveness, I had to consolidate my loans. Discussed with XXXX XXXX whom verified this to be true. Consolidated loan per their recommendation. Discovered that not only was that not true, but also all the payments I had made to that point no longer counted and could not be retrospectively added back on. Discussed at length with XXXX. They reported what the give is only advice and they cant be held liable for the outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I found out I was part of the equifax breach. My credit score keeps dropping, but I have no late payments. I did not sign up for their free credit monitoring or anything. What are my options. I would like to sue them for this. Please let me know. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XX/XX/2017. Loan was transferred from Navient to XXXX. Communication of this was provided within the Navient internal e-mail system. I never received any formal mail or email to my email address on file outlining the change or the implications. At this time my loan was placed on temporary forbearance without my consent. No payment was withdrawn from my account that month. When I contacted Navient to ask why, they explained the situation. When I explained that their decision to place my loan on forebearance would cost me literally thousands of dollars on the back end and occurred without my consent, they said there was nothing I could do and I couldnt not make up the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed bankruptcy chapter XXXX in United states Bankruptcy XXXX District of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the bankruptcy and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} ). I must mention these monies were paid to XXXX XXXX XXXX XXXX XXXX XXXX   whom represented us, prepared and filed all documentation before the court. I will include documents as necessary to prove our complain. Chase bank got ride of the loan and sold it to XXXX XXXX XXXX after fraudulent foreclosure process that has not been resolved until today .Earlier on XX/XX/XXXX it was discovered on court that only one item ( XXXX XXXX ) XXXX XXXX was accepted in a timely date through the reaffirmation agreement ( XX/XX/XXXX ) and The mortgage was not, even though they were paid and filed about the same dates or close by, therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy. Despite all of our allegations and showing proves of receipts and been over five years, and the none jurisdiction of the court in the bankruptcy case, the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else. Please we need Chase bank to provide the exact time and date of receipt for the Reaffirmation Agreement sent by our lawyer XXXX XXXX XXXX XXXX of XXXX Florida back in XX/XX/XXXX excluding the house in the such call bankruptcy case .Also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter XXXX on XX/XX/XXXX, Chase bank kept collection mortgage payments until XX/XX/XXXX.We are requesting chase to reimburse us all the payments collected after XX/XX/XXXX when chase knew the house was included in bankruptcy. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 my employer paid me through direct deposit. TD Bank has an issue with their system that kept my paycheck from being deposited in my account. I was unable to pay bills because of this. They acknowledge they had a system failure that effected thousands of customers however they refused to rectify the fees and damage caused by THEIR technical failure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Im XX/XX/2015, I took I student loan out. Nelnet put my account as delinquent, even though I was never notified when to start making payments. I would like to get on a payment plan and this off my credit score. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a 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 2018-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America and asked to close my savings account. They refused and instead made me book an appointment to close it at their location the next day. So I show up and I am straight forward. I tell them to close my account because I don't trust their bank since they've charged me upwards of {$300.00} for random " overages '' or " fees ''. 

They refused to close my account, even after I settled the debts and my account was no longer in the negative. 
Now they charged me again, this time {$30.00}. for " account service ''. So my account isn't closed and yet again I'm in the negative. 

Bank of America is a fraud.

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 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on XX/XX/2018, I went to my local TD Bank to withdraw funds from my TD debit card. When I tried to withdraw XXXX dollars, the ATM at the TD Bank would say it could not process the transaction. I tried the only 2 ATMs there and it would not withdraw funds because it was " Unable to process the transaction. '' It was after bank hours so I couldn't speak to a representative. And I had about one thousand dollars of available funds so there was no reason why my withdrawal could have been declined. 

I had to use my XXXX XXXX XXXX ATM card to withdraw funds from that TD Bank. I was able to but was charged 3 dollars from TD Bank and also incurred a {$2.00} fee from XXXX XXXX XXXX, totally {$5.00} in fees because the ATMs couldn't withdraw from my card. 

I went to TD Bank the next day and told them what happened. We tested the card and it worked fine. There was nothing wrong with it. The banker said it must've been the machines. At this point all he could do was file or log a complaint, but couldn't reimburse me for the fees. He said I would have to speak with XXXX XXXX XXXX since TD Bank doesn't have any fees charged on their end. 

I called XXXX XXXX XXXX and they also gave me the run around, saying that the fees are standard so they couldn't do anything about the fees either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied and was approved for a Wells Fargo mastercard close to a month ago. Since Ive received the card, Ive been unable to access my account on Wells Fargo website. Ive tried following the steps to receive my username and password multiple times. It does work however the Wells Fargo website states system is temporarily unavailable. I have my username and password. Its been like this since Ive had my card. I have called the credit card help line and at no point in the phone menu does it direct me to the credit card help desk. My problem is not solved through the automated menu.

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 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX my Wells Fargo checking account had a {$200.00} withdrawal made from a non Wells Fargo atm. It was made from a XXXX store in XXXX Colorado I have never been too before. I called Wells Fargo and explained my card ( which had never left my possession ) had been compromised either by an ATM or Gas Station Skimmer. I cancelled that card and they sent me a new one. 

Wells Fargo initially credited me back the {$200.00} while they investigate. Then, on XX/XX/XXXX they took the {$200.00} back out of my account without telling me in advance. I didnt find out they had done this until I received an insufficiant funds email. I called them and they said their investigation led them to believe I had made the withdraw myself. I then asked for details of how they came to this conclusion and they refused to reveal that information. 

I didnt withdrawal that money. I replaced the card it happened on the minute I found out it was compromised and worked the proper channels through Wells Fargo to remedy this. They refuse to disclose why or how they came to the conclusion I am somehow trying to lie to them about this when I am not.

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 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I used my USAA debit card at a XXXX XXXX ATM on XX/XX/XXXX. I attempted to withdraw {$400.00} from my available funds. The ATM gave me an error message indicating that funds were not available and did not dispense any money. 

I immediately pulled over in the parking lot to check my account via mobile banking because I knew I had sufficient funds. My mobile banking app showed sufficient funds but also showed that the ATM withdrawal went through. 

I called USAA and they temporarily replaced the {$400.00} while they investigated. However, they withdrew the replacement money on XX/XX/XXXX citing a finding in favor of XXXX XXXX. 

I requested supporting documents in writing in compliance with their instructions, but never received a response, or my {$400.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Ok so I had about 46 dolllars in my checking account for a pending gas station fill up which costed {$42.00} the payment went through but out of no where a automatic transfer of XXXX dollars ( think the branch set it up with out tell me ) from my checking to savings happen costing me XXXX dollars in negative including the XXXX dollars overdraft fee called abd they kept saying that they can't do anything try asking th person who is also linked in my bank account. What annoyed me the most is that I set up the bank account on the XX/XX/XXXX and had a random automatic transfer set up with out tell me leaving me with a over draft fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
A few years ago I received a traffic ticket, and the ticket ( along with related information, how to pay, etc ) was mailed to an old address without my knowledge. Being a busy student at the time, I allowed myself to forget about paying the fine. Several months later, after the ticket was long overdue, I was contacted by the company in question ( AliianceOne is there name I believe ), and they informed me that the DMV was contacted by them and my license was put on suspention, and that I would not be permitted to remove the suspention until the ticket had been paid in full. Upon calling the company 's 'customer service ' line to pay the fine, I was informed that my debt owed was munmentally higher than what my initial ticket fee was. Granted, I'd understand if a late fee was added due to my neglegence, however my inital fine was a few hundred dollars, and I've since been informed that my current bill is something around {$3600.00}. 

I am a recent college graduate, and thanks to these shady business practices, my license is still on suspention ( its been a few years now! ), and because of this I have been unable to maintain even a third-rate part time job. If I'm expected to even be able to pay the inital ticket, let alone the thousands I owe in government-funded student aid, I need to be able to drive. I have offically given up on being able to live my life at all thanks to these disgusting and greedy practices, and if anyone ( besides myself, of course ) should care about this, it should be the US government, who is going to be out almost {$20000.00} in student loans I can not afford to pay, solely becuase I can not even legally drive a car! How else am I supposed to make money to pay the debts I owe? 

Thank you for taking the time to read this, I sincerely hope a righteous decision is made promptly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called Wells Fargo. I cant even rent a house because of this issue! Not professional.

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 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have received, without explanation that a % penalty has been applied against me for failing to maintain a good account status. However, Ive always been in good account standing with all my banks through their available methods ( deference the, forbearance, or IBR ). I can not find, not have I received any information supporting that penalty. The amounts have been recalculated and added to my loan principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have sent a " validation letter '' to XXXX XXXX XXXX XXXX in XX/XX/XXXX via certified mail and got a response on XX/XX/XXXX. PRA, LLC has responded with copy of a bill in which does not meet Federal Trade Comissions guidelines of what constitutes proper debt validation. So I sent a second letter of " validation '' on XX/XX/XXXX via certified mail and was received on XX/XX/XXXX and received a response on XX/XX/XXXX. From countless hours of research I have found that an original contract with my signature constitutes " validation '' and one was not provided to me as requested. In their second letter response and I quote " Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act. 

If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers the matter closed. '' I am simply requesting XXXX XXXX XXXX XXXX to "  validate '' their claim by sending me a copy of the original contract with my signature and I will pay the debt in full. I am trying to take care of old debts so I can start new path for me and my children 's future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called XXXX XXXX. I cant even rent a house because of this issue! Not professional.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I attempted to use rocket mortgage, a product of quicken loans. 
This resulted in a hard inquiry on my credit report. 

The information I provided resulted in quicken loans offering me a loan for a {$5000.00} home. 

The results were ridiculous and have I known the results were going to be a joke, I would not have used the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
When I opened an account with BECU, I opened a checking, savings and personal line of credit account. I deposited a substantial amount into the savings account and asked the clerk to link it to the checking account for overdraft protection. Three years later, I discovered after reviewing my statement carefully, that my overdraft protection was linked to a personal line of credit that over the years cost me ~ {$1300.00} in interest while I had a savings accounts with $ 20K+ under the same name in the same bank. BECU refused to refund the interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
This all started back in XX/XX/XXXX ( Currently Early XX/XX/XXXX ) when paypal tried to take XXXX dollars out of my bank account and the funds weren't available so paypal charged my checkings account {$26.00} dollars putting the checkings account into the negative balance. Being a college kid, just recently getting a job with a decent commute, hit rather hard. I moved money around but a couple more monthly payments that I didn't anticipate went through just before paypal tried again and charged another {$26.00} ( a consistent number through this story ) at this point I was pretty dry for money and payday wasn't for a couple more days, and of course it tried again but this time it just subtracted from paypal totaling to - {$12.00} in paypal. At that point I called support for my bank to see what the deal was at which point I was directed toward paypal so I contacted their support system. On the phone with them they basically said I was lying and that paying the difference in my paypal account might fix it. After 3 to 5 business days nothing had happened at which point I had become busy and wouldn't bother with this issue again until XX/XX/XXXX after another incident that actually took place in late XX/XX/XXXX. This was a charge of {$14.00} got declined by my bank and paypal charged another {$26.00}. In that support message it was basically me telling this story then a month later I got a message from paypal saying it has been resolved but funny enough that was not the case so I alerted them about that and have not heard back since. Fast forward to XX/XX/XXXX a payment of {$10.00} failed to go through an yet another {$26.00} out of my pocket totaling a whopping {$100.00} that shouldn't have even been able to leave my basic checkings account.

Company response to consumer: Closed with explanation