vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I graduated in 2006. I had XXXX XXXX in loans when I graduated. in XXXX 2006 a month after my repayments started, XXXX XXXX charged me {$710.00} in Capitalized interest along with a repayment fee of {$320.00} for EACH loan. This totaled {$7300.00} in FEES! I noticed there was an issue when XXXX XXXX told me I was not paying my minimum monthly payment. Due to these fees- and not notifying me of them- my minimum monthly payment had increased and I was unaware. It was a hit on mine and my fathers credit report. I told my Dad who was a cosigner to my loans. He logged into his account and saw no changes to my account. For years this was an ongoing battle with my Dad over how much I actually owed. Early this year I called navient and they told me my original Loan amount was upwards of $ 80k. My Dad dug into his files and found payments and details of loan applications and statements. XXXX XXXX Navient charged me a fee to repay their loans. {$7300.00} to be exact. This is not including the interest I have had to pay on the fees! I have been paying my loans for 11 years and I still have {$41000.00} left when I started at XXXX XXXX. This is discouraging and misleading way for a company to handle student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened my mortgage with BOA on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with BOA on XX/XX/XXXX. The closed account for BOA is still reporting negative on XXXX and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with BOA Mortgage back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX  assumed the loan, it reports from the beginning of the opened loan original date. BOA is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by BOA. They acquired the loan and the information and reports from history.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CO

Complaint narrative:
I contacted my lawyer who settled this insurance claim for me and he told me that, " We were unaware of any  XXXX  doctor charges as they were never disclosed by anyone to our office in your case. Nonetheless the time for the  XXXX  doctor of the collection agency to enforce this judgment, unless they have filed suit and we do not know about it, has expired. I checked the  XXXX   County  courts website under your last name and did not see any lawsuits with you listed as a party. '' I am have disputed it with   XXXX   plenty of times and it always comes back updated with an increase in the bill amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to Chase numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called Chase over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking Chase to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the Chase personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
I received my consumer report and it states I have reported information from TCF National Bank from XX/XX/2012 for non sufficient funds at ATM for an amount of XX/XX/2012, I was unaware of this being on my account but previously I received a call in 2012 from the bank and I explained to the representative I had no knowledge of a check being deposited, I would like an investigation done because I 'm trying to obtain a checking account through a bank and this is hendoring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I did n't receive full refund of {$25.00} from XXXX XXXX XXXX XXXX. when closing card account, as the company was going out of business XX/XX/2017. I had phone confirmation with them, that I would be paid in full {$25.00} with no further fees taken out. I received a check in mail for $! XXXX. They took our fees. 
I made numerous calls to them, based now in XXXX XXXX they told me. They said no record of phone call and would pay {$18.00}. I received new card for only {$13.00}. I told them I could have spent/exhausted that final {$25.00} amount in a store but trusted them to return full amount. The company check to me, I have not yet cashed. This happened from XXXX to now. 
I want full refund. Can you help. Thank You. 
Companies on check XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX AZ XXXX & Payable THRU XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be 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
Consumer complaint received 2017-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX GAP to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be 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 non-monetary relief
Consumer complaint received 2017-07-11 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: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX Hospital, XXXX XXXX XXXX XXXX XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of Alliance Collection Agency. I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home. I have had XXXX XXXX since XX/XX/XXXX. Some how XXXX, XXXX XXXX Hospital deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX. I have also spoke with the Alliance Collection Agency and it seems as though the matter is getting worse. There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved. However I am filing complaint one at a time, this one being the largest and most difficult. I hope I have included all that is needed for this matter to receive your attention. Please Help.

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 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On several occasions I have written to get Midland Funding to prove the validity of their alleged debt showing up on my credit report. I am including original letters dated XX/XX/XXXX and XX/XX/XXXX I have many more letters which I could produce. I have also written to the credit bureaus asking for their help. To date, no one has responded. Unless someone can produce documentation showing that the information being reported is 100 % accurate and 100 % verifiable, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I logged into my PNC mobile banking account yesterday ( X/XX/17 ) around XXXX to see if my insurance payment was submitted. The payment was submitted and my account became overdrawn by {$170.00}. I contacted PNC bank customer service line at XXXX because I wanted additional information regarding their overdraft policy as well as their return policy when funds are not available. At the time of the call, the rep informed me that as long as I make a deposit before XXXX XXXX time, I will not receive an overdraft fee. The rep stated if a payment was not received by XXXX, then a fee would be added to the account, she also stated that if the fee plus the overdraft amount was not paid by end of day X/XX/17 then the payment would be returned to the vendor unpaid. I worked to make the payment and unfortunately I was not able to transfer or deposit any money into the account prior to XXXX. At XXXX a electronic transfer was made to my account in the amount of {$99.00}, at XXXX XXXX a second amount was electronically transferred to my account in the amount of {$74.00}. The account remained overdrawn {$2.00}. I attempted to transfer {$3.00} at XXXX but the transition was failed and rejected, which did not allow the payment to be processed until today. PNC policies states an overdraft fee will not be applied to balances under {$5.00}, my balance was $ -XXXX Today I contacted PNC for a fee removal and I was informed that the transfers I made on X/XX/17 were not applied until today ( X/XX/17 ) therefore my account is eligible for an overdraft and the fee can not be removed. PNC reps provided false information on their overdraft policy and PNC would not provide customer courtesy and remove the fee. I have included information on the complaint I filed within PNC and the reference number is XXXX. I have attached documents supported when the transfers were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: AES/PHEAA
State: VA

Complaint narrative:
This is a follow-up complaint to  Case   #   XXXX  and  Case  #  XXXX . Case #  XXXX  was resolved by processing my REPAYE recertification which was properly submitted after receiving an e-mail from FedLoan Servicing asking me to recertify.  <P/>  Case  #  XXXX  was not resolved as FedLoan Servicing falsely stated that they would not capitalize the accrued interest into my principal balance. For some reason, FedLoan Servicing fixed the REPAYE recertification issue by placing my account into an administrative forbearance and then capitalizing all accrued interest into my principal balance. As of XX/XX/XXXX   , my principal balances were : {$240000.00} for  XXXX  and {$56000.00} for  XXXX . I was not aware the accrued interest would capitalize as I submitted my REPAYE certification when FedLoan Servicing requested and my account was placed into forbearance due to FedLoan Servicing 's error. After the administrative forbearance ended, my principal balances changed to : {$250000.00} for  XXXX  and {$58000.00} for  XXXX . This is a $  XXXX  financial penalty placed on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has been notified on more than 1 occasion that the debt they claim I owe was from Identity theft. Their story has continually changed over the course of a year and yet they refused to do anything about this. Well I have been looking at US codes and I have found a code Bank of America should be prosecuted under, Title 18 Part 1 Chapter 42 EXTORTIONATE CREDIT TRANSACTIONS. Under this code, it states that forcing someone to pay a debt by threatening their physical well being or personal reputation is a violation of criminal law. The CFPB should already have copies of my evidence that numbers in the 300 separate documents range, that Bank of America is in violation of this criminal law by using extortion and ruining my credit to try and force me to pay a debt that is not mine, forcing me to pay higher interest rates on lines of credit I have been able to receive. I demand the CFPB force Bank of America to answer for this crime or I will contact my elected officials, what is the point of having a CFPB if they only advocate for companies. I also want to add that any information Bank of America has provided has had information purposefully left out and the bank has refused to release any audio recordings of my phone conversations 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 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was out of state on vacation and attempted to use my Capital One card. The transaction was denied. then I tried to use another one and it was denied too. I called Capital One and they told me that they closed my accounts but could not tell me any information of why my accounts was close. I was stuck in New York with no way of paying for my hotel or rental car. I had to have family send me money. I was so embarrassed and humiliated that my cards were declined right in the middle of vacation. Then when I call capital one the rep was rude and could not give me a reason why. I later received letters for the 3 closed accounts but still no real information was provided. I need my Capital One card. They are the only company I have a credit card with. I worked hard for my credit and I do n't fill like its right for them to tell me to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I reached out to Creditors Protections Svc after I had noticed a collections mark on my credit report. I spoke with a collections specialist by the name of " XXXX XXXX '' I had explained to her I wanted to make a repayment agreement and established a payment amount. When it came time to take my payment jnformation she asked who I banked with, I asked her was I not able to use my debit card? She then stated I was not able to because the payment amount was n't over {$100.00} which was the amount I would need to pay to use a card transaction. I then stated to her you guys sure do make it difficult to make a payment. XXXX then stated to me " that 's what happens when your account is placed into collections it 's not sweet '' I tried to speak the rep then spoke over me would n't allow me to speak, I asked her if the calls were recorded she kept telling me they MAYBE recorded. The rep was extremely unprofessional I asked to speak to a manager she told me there was n't any available. I asked her for a team lead, supervisor, manager, assistant general manager, or the general manager she advised me that no one was in the office that there was absolutely no management or anyone else that I could speak with. She claimed her managers name was " XXXX XXXX '' and that she would have her call me back. The representative then hung up on men

Company response to consumer: Closed with explanation