vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I owed XXXX almost 22, 000, on a private student loan. 
First they taped up a summons stating that I was getting sued on my neighbors door, not mine. My neighbors now know my business. 
I received notarized mail from someone with a fraudulent name. " XXXX XXXX '' attempting to collect money by this collection agency. 

Lastly, I spoke to a representative that worked out a repayment agreement of me putting down {$1200.00} and to making monthly payments of {$240.00} until XXXX, XXXX is paid off. 
They sent me triplicate contracts stating that I will pay the full amount of the loan ( XXXX ) with monthly payments of {$240.00}. This isn't what I discussed with them. When I questioned them as to why the contractual agreement sent to me didn't state the specifics of the repay agreement I made them on the phone. The collection worker just kept questioning me as to why I wouldn't sign the form and that they would get another department involved. 
I have called this persons supervisor three times over the last three days and she has yet to get back to me to answer my questions. 
I feel that the Foster & Garbus LLP made a verbal agreement on the phone and now are purposely sending me forms with whole amount to be paid with no mention of the amound we agreed I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I did not authorize XXXX XXXX to pull my credit for you, the creditor. I request you to provide me THE AUTHORIZATION that I signed for XXXX XXXX to pull my credit. This case is related to CFPB # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My husband was primary card holder and always addressed as such. I am not a co-signer of this card and there fore not responsible for this card. Since XX/XX/XXXX which was opened in primary card only in his name. In XX/XX/XXXX-XX/XX/XXXX Bank of America added my name to his bill. My husband was fighting XXXX and I was not aware of my name being added nor did I authorize Bank of America to add my name. When my husband XXXX XXXX XX/XX/XXXX sent XXXX certificate to them. I have contacted them many times of their XXXX  and I am not responsible but they insisted that I was responsible. I have been sent paper work from collection agency that was on XX/XX/XXXX. The next communication was from Superior Court that I have to file an Appearance with the court by XX/XX/XXXX which I have done. 
Please note I have mailed out documents by Certified Mail addressing to OCC regarding this complaint, you should be getting it if OCC forwards this information

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 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Good afternoon, This complaint is against XXXX XXXX and the way they are handling electronic payments.

I paid my card the last thee times as followed : XX/XX/XXXX {$50.00}, XX/XX/XXXX {$280.00} and XX/XX/XXXX {$360.00}, total {$690.00}, I make my payments electronically and they leave my bank account the day after I make them, today is XX/XX/XXXX and they have not yet make my payments available to me, I have had that credit card for at least 4 years with a clean record, I have never missed a payment nor bounced one. This is a very unfair and deceptive way of conducting business and it is not in the client 's best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2018, I was checking my American Express offers in their website. It said a {$150.00} dollar statement credit after {$1000.00} dollars purchase before 90 days. I started the application and then I realized that I may not be eligible for the bonus offer. So I did not finished the application. The next day I've got a call from a AMEX marketer saying why I did not finish my application and I told him about the bonus. He told me that I was indeed eliglbe for the bonus, so I finished the application.

Now I've compain about it and the told me that I was not eligible regardless of what the rep told me. I asked for the recording and it were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has repeatedly called at least two of my relatives or associates without my consent. 

These tactics began aoproxinately XX/XX/XXXX and continue through today, XX/XX/XXXX. 

I lodged a complaint on the American website approx. XX/XX/XXXX, directing them to stop the communications to others, searching for me. I noted that I was not sure if the calls came from Amex or an impostor. Calls continued after XX/XX/XXXX, clearly stated by the caller, XXXX, from Amex,  from XXXX, and also from XXXX. 

I spoke verbally with XXXX on XX/XX/XXXX, directing him to end the communications to others in search of me. XXXX was hostile, continuing to talk over me as I was telling him to stop the hostile tactics. I stated that a complaint was being lodged against him and his company on this matter. His response that any complaint did not matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 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: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/2018, XXXX XXXX informed me that my monthly payment for my Revised Pay As You Earn plan had increased from {$270.00} to {$510.00}. To date, I have not received any explanation as to why my payments almost doubled. I am in the same repayment plan and my salary has not exponentially increased. When I called XXXX XXXX and requested an explanation about how the payments were calculated, I was not provided with an explanation. I have also sent them an email requesting an explanation, but I have not received a response. I am now wondering whether any outstanding interest was capitalized at the time of my recertification ( even though I timely recertified ), causing an improper increase of my monthly payment amount. I also requested a lower payment, because I can not afford to pay almost double what I had been previously paying, but I was advised that {$510.00} is the lowest payment available to me at this time ( without seeking a forbearance, in which I am not interested ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my girlfriend to call him for me because she works in the XXXX XXXX and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is XXXX XXXX XXXX XXXX. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: OH

Complaint narrative:
I applied for Income Driven Repayment Plan and have repeatedly stated that my statements have been submitted in time and they will not acknowledge their error in not updating my account on time and that they lost my submissions. They refuse to update my acocunt and keep claiming they can not because it was past the deadline, despite it being submitted before the deadline. They did not let me know it was never received and told me all I needed to do was submit my income and it would be updated. Their company is deceitful and refuses to take accountability for their end of the financial agreement. I sent in all documents on time, it was the companies fault. They will resolve my account or further action will be taken. I have repeatedly and clearly stated the issue and that it was their fault. I submitted everything on time. They lost my fax. They should not advertise that you can sbmit via fax if they will not follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC Services uses the following tactic : They have been contacted with a complaint that has been filed against you and that they are getting ready to send the paperwork to you through the XXXX XXXX County courthouse. They have also left several messages threatening to serve me with ppwk. at my workplace and if I am not available they will need to get a signature from the upmost authority at my job and expose my business to the managers because they will need their verification that they are at the right place.

The most recent one is : they sent me a text that contained all my sensitive personal information. I have never given this company permission to text me and I don't think it's legal to text personal information. They don't know if it's the right number. That could of landed in the hands of someone that could of easily used my information negatively. They texted my ss #, dob, and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I did not receive a notice to dispute letter. I am unaware of this account/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 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
I did not receive a notice to dispute letter. I am unaware of this account/debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
a 2 month deferment was approved in XX/XX/2018 and I was instructed to pay {$1700.00} for the two months of escrow that can not be deferred. Navy FCU applied the payment to the principle and not the escrow and has no jacked my mortgage up {$180.00} a month. After 11 days ( XX/XX/2018-XX/XX/2018 ), of being told the correction would take place within 48hrs, its still has not been down and has caused my mortgage payment to be late due to not having an accurate monthly payment to make

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
My family members ( Grandmother and Mother ) are consistently receiving collections calls from Williams & Fudge on a debt I do not owe. They are looking for someone with my same name, that has an outstanding debt with a college in the XXXX XXXX area. I have never lived in California and we don't have the same birth date. I repeatedly have to call them and say you are looking for the wrong person, just to have someone call back. This has been happening since 2012!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XXXX XXXX from Receivables Performance Management called about a " financial matter. '' They would not tell me what it was about until I verified my zip code. I refused. He was using my maiden name ( I've been married for 12 years ) and my current residential address. 

I told him to send a certified letter if this matter is truly " verifiable ''. He gave me his address as XXXX. XXXX XXXX XXXX WA XXXX. And a contact phone number of XXXX. 

They have also called XXXX repeatedly ( 3 times on XX/XX/XXXX, 2 times on XX/XX/XXXX ) They have called XXXX repeatedly ( Over 20 times in the past two weeks ). 

I have received no mail regarding this matter.

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 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on a previous complaint regarding the same account. After the bank brought this account positive by reversing a XXXX maintenance fee I find that it again was charged and again negative.

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 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. 
I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.

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 2018-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
MY HOUSE WAS FLOODED IN HURRICANE HARVEY.  CHASE BOUGHT THE FLOOD INSURANCE BUT DID BUY FOR THE CONTENTS. WHEN I CALLED TO ASK THEM WHAT WAS COVERED SO I COULD BUY ADDITIONAL CONTENT INSURANCE. THEY WOULD NOT TALK WITH ME BECAUSE THEY SAID I WAS NOT ON THE LOAN WHICH WAS NOT TRUE I HAD SENT THEM ALL THEM ALL DOCUMENTS WHEN MY MOTHER IN LAW PASSED TO SHOW MY HUSBAND AND I WERE SOLE OWNERS OF THE HOUSE. SO I LOST EVERYTHING IN THE HOUSE BUT SMALL ITEMS AND SOME CLOTHES AND LOTS OF XXXX COLLECTABLES. THEY HAD LOST NUMEROUS PAPERS I FAXED TO THEM SHOWING THIS. IT TOOK FROM XX/XX/XXXX TO XX/XX/XXXX FOR A LADY IN SOLUTIONS TO FINALLY FIND THE RIGHT PAPERS SO I COULD COMUNICATE WITH THEM. I GOT A PAYMENT IN MAIL AND IT HAD GONE DOWN {$300.00} SO I CALLED TO FIND OUT WHY AND WAS TOLD THE LAST GUY THAT CAME OUT THERE SAID THE HOUSE WAS UNINSURABLE. WAS TOLD TO WRITE A LETTER, WHICH I DID TWICE BOTH 3 TO 4 PAGES LONG AND TOLD THEM I WOULD SURRENDER THE HOUSE IF THEY WOULD GIVE {$10000.00} TO HELP COVER SOME OF MY SMALL LOOOSES. THEY KEEP DENING ME AND THEY NEED TO COVER THEM SINCE THEY MADE THE MISTAKE FROM THE START.. THE CHECK IS FOR XXXX AND HAVE IT IN AN ESCROW AND HAVE ADDITIONAL ESCROW OF XXXX. THERE IS A MORTGAGE ON IT WHICH THE HOUSE IS NOT WORTH NOW. MIGHT 20 TO 25,000 NOW WITH THE DAMAGE. THEY CAN GIVE THE XXXX AND STILL BE AHEAD AND MAKE UP THE XXXX, XXXX WHEN THEY SELL PROPERTY AFTER HOUSE IS GONE. I HAVE GOT RUN AROUND AND PASSED FROM ONE TO THE OTHER AND TOLD LIES TO GET ME OFF THE PHONE. MY ORIGINAL ADJUSTER SAID HE WOULD NOTIFY THEM AND ASK THEM TO SEND CHECK BACK TO HIM AND HE WOULD REISSUE THE CHECK TO ME. BUT THEY SAID NO,. WE ARE NOW IN HURRICANE SEASON AND HAVE HAD BAD RAINS AGAIN AND PART OF THE ROOF HAS CAVED IN ALREADY AND IT HAS SEVERE STRUCTURE DAMAGE AND CRACKS INSIDE HOUSE AND HAD WATER ALL THROUGH HOUSE. THERE ARE RATS IN HOUSE NOW THAT HAVE COME IN AND BEES. I HAVE TALKED TO ISURANCE CLAIMS, HAZARD DEPT, AND MORTAGE DEPT AND BEEN ON THE PHONE ALL XXXX WITH THEM TRYING TO GET THIS RESOLVED. CALLED CORPERATE AND GET NO HELP THERE EITHER JUST PASS THE BUCK AGAIN. THEY NO NOTHING ABOUT CUSTOMER SERVICE ALL I WANT IS TO BE TREATED RIGHT AND GET CLOSURE. THEY TELL YOU WHAT TO DO AND WHEN YOU DO YOU FIND OUT YOU HAVE WATED YOUR TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In early XX/XX/XXXX I received a email saying something was added to my credit report so went to take a look and saw it was for national credit cards/airlines that I never applied or got an credit check for and it is supposed to come off my credit in year XX/XX/2020 but I never did any of this I just need information on getting it removed.

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