vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
I requested a payoff balance for my primary residence last month. The payoff was only {$1900.00} if paid before XX/XX/XXXX. I paid {$1900.00} on or before XX/XX/XXXX, {$4.00} extra to make sure I had an extra balance incase the interest was off a little bit. 
The loan servicing company applied {$1400.00} to the principal and {$520.00} was put in an escrow account. Next payment was due in XXXX? 
I called and emailed numerous times, the customer service manager did not let me speak and was very rude. Know my balance is {$87000.00} when I should be XXXX. 
Nobody at the Loan servicing company has given me any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I set up automatic payments on my new home mortgage. My first payment was due XX/XX/XXXX. I checked the website on XX/XX/XXXX and my payment was still listed as unpaid. There was no record on the website of an automatic payment being in effect or of any pending payment, so to avoid being overdue, I manually submitted an automatic payment. However, my payment was then drafted twice, which over-drafted my checking account. 

I contacted the company 3 times by secure message on their website asking to have the extra payment reversed or to be compensated with interest and received no reply for over a week. I also contacted the call center multiple times. Each time, I was unable to speak with a representative. The automated system kept me on hold for several minutes and then directed me to leave a voicemail so that my call could be returned. Each time, my call was never returned ( even a month later ). 

When I finally did receive a response to my written complaint submitted via the website, the company refused to take any corrective action, claiming that I have received a confirmation that auto-pay was in effect. This is true, however, as I stated previously, there was later no way to verify that the automatic payment was still in effect or that any payment was pending via the website even after the due date for my first payment. 

I decided at this point to just give up and assumed the financial loss they caused me ( lost interest and investment gains on funds ) was not worth the effort of fighting further. 

However, on XX/XX/XXXX, despite this payment already being paid in XXXX, my payment was auto drafted again. Therefore I am now out {$1400.00} for a second consecutive month. Furthermore, I do not know how to correct this going forward and the company is nearly impossible to work with.

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 2020-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a delinquent account showing on my company 's credit profile ( XXXX XXXX XXXX, XXXX. ) that does not belong to us. The account is from 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 non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
XX/XX/XXXX My brother XXXX XXXX XXXX, ( borrower ) bought home : XXXX XXXX XXXX XXXX NJ XXXX, his wife at the time : XXXX XXXX ( co-borrower ) aka ) XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX whom had also used my name : XXXX XXXX/XXXX XXXX through HUD ( XXXX XXXX program ) XX/XX/XXXX The 2 divorced in XXXX County NJ. My brother sold ( I was told ) XXXX the home for 1 . XXXX added a hand written clause to the divorce documents, stating XXXX to refinance home solely & only in her name within a reasonable amount of time. She failed to do so. XXXX filed Deed to XXXX NJ XXXX, then refinanced using my brothers name as borrower. Agreements were done through mail & phone calls. 
XX/XX/XXXX My brother passed from XXXX  XXXX. 
XXXX XXXX XXXX  sent a letter to my son to contact them regarding XXXX XXXX  in XXXX XXXX. ( back in XXXX the 2 companies merged for a 1st time homeowners deal ) XX/XX/XXXX XXXX passed from XXXX  XXXX XXXX. Her husband XXXX XXXX XXXX, stated the home was now his. knowing & depriving heirs of information ( some of this is mentioned above ). He & his brother n law XXXX  XXXX began what I believe is fraudulent acts. 
XX/XX/XXXX The 2 had an assessment done on the home, stating ownership through XXXX & lied, stating no one lived there. Recently I found that plans are to sell so property can be used for project : XXXX XXXX. The 2 took over XXXX 's XXXX XXXX   Account, then the 2 opened a joint account, & XXXX opened 1 for himself there, as well as an account with XXXX XXXX. 

I think I am, as well as other heirs are being prevented from any knowledge of rights to ownership of home, I believe I have & am continually being prevented from : financial resources, mail, transportation, as well as medical services. I don't want to believe this may be happening, due to fact, this is family, people I love & I am suppose to trust. I became very ill after XXXX passed & have applied for XXXX. Personal documents have vanished, indirect threats have been made, & I found that t am a victim of Identity theft, ( documents : XXXX XXXX  receipts/XXXX who used to located in XXXX NJ/XXXX County court record ) fromXXXX & recently mail suggesting I had requested information pertaining to myself. I am a Successor of Interest to said property as my brother had XXXX child, who passed of XXXX XXXX, & no other  children. I live in the house with XXXX XXXX, who was paying my brothers mortgage, ( delinquently ), & he legally is unable to have home trabnsferred ). He claims executor to XXXX Estate, bypassing Probate. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have been working with FedLoan Servicing since XX/XX/XXXX to calculate a reasonable repayment plan for my student loans that total {$120000.00}. FedLoan has insisted that through an IDR plan I should be able to make a monthly payment of anywhere from {$1200.00} a month to {$700.00} a month - this is unreasonable. It is pertinent to know that my loans were consolidated in XX/XX/XXXX. This recent fall I worked with XXXX XXXX to better understand my repayment options with FedLoan. XXXX XXXX has indicated that it is best to use an IBR plan, which was never suggested by FedLoan, to make a monthly payment of {$270.00} a month. This is a reasonable payment. I submitted the paperwork for the IBR in XX/XX/XXXX and did not hear back from FedLoan in the time period they stated they would share the results. I contacted FedLoan on XX/XX/XXXX to learn that I was expected to pay a {$5.00} fee to opt out of the IDR plan to be considered for the IBR plan, which was not communicated to me, but I was informed that this requirement was stated on page 6 of the application in small, light gray font - nefarious. Yesterday, XX/XX/XXXX, I received notification that my IBR plan is two monthly payments of {$270.00} and {$450.00} a month and now my loans are no longer consolidated. There is DLSCNS loan program and a DLUCNS loan program now on my account - none of which has been explained to me. II also want to note that I am not able to download documents previous to XXXX as FedLoan has made the documents unavailable in my FedLoan inbox. I need help working with FedLoan to get to a monthly payment that I can afford. I have been XXXX  in XXXX XXXX XXXX  for XXXX  years, I have made many attempts to work with FedLoan to make reasonable monthly payments with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
XXXX XXXX tried to collect for a debt from XX/XX/2011. The debt was sent to Midwest Recovery. This account is too old to be reported, and it is also not my account. I recieved no communication from Midwest Recovery on it. They put the info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Cash Central tried to collect for a debt from 2011. The debt was sent to XXXX XXXX. This account is too old to be reported, and it is also not my account. I recieved no communication from XXXX XXXX on it. They put the info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I Received a return check fee of XXXX Dollars reference for check fee On My Account is return check fee XXXX. On XX/XX/XXXX i spoke with XXXX saying he would note the account To have the amount and fee waived. Then On XX/XX/XXXX I spoke with XXXX who would not waive the fee and said that she would register a complaint with back end office that They would not be waiving anything. And on top of this Situation My Credit card is still not reporting to the bureaus And I Have filed a additional complaint with my State Consumer protection agency Pa Attorney Generals Office and pa banking and securities office.

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 2020-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I financed a car for my son with Capital One Auto Finance on or about Fall XXXX. The car was subsequently repossessed in late XXXX ( possibly early XXXX ). Capital One Auto Finance has since charged-off the loan. At this time, Capital One Auto Finance is reporting the debt as " late '' on a monthly basis since XX/XX/XXXX. Capital One Auto Financing 's inaccurate reporting of my debt is having an undue negative impact on me. I have contacted Capital One Auto Financing on various occasions, and they refuse to correct the error. This behavior could be considered bullying as it is going on 6 years since the loan was defaulted. I am requesting that Capital One Auto Finance correctly report the debt and immediately cease to report a charged-off debt as " currently '' late on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I contacted Portfolio Recovery on XX/XX/2019 about an account that was deleted by XXXX  XXXX two years ago. I made a payment and on a recorded call, the female representative stated the account would be deleted from my credit report. I checked my credit report today after I disputed the account, and it has not been deleted. I am filing an attorney general complaint, and contacting my attorney to sue Portfolio if the account is not deleted. I recorded the call and portfolio recovery recorded the call as well, so theres no denying she agreed to delete the account after i made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
Us Bank charged fees anyway they can ... sometimes days later with bogus explanations. I go days with a positive balance then all of a sudden Im charged overdraft fees for things that were fixed days prior. This bank seems to be charging their low income and struggling customers more fees as often as they can. I am being charged fees and have met people having the same issue but because its a bank no one will help or even look into it ... I know this company wont help either but at least Im speaking up so in the future when some XXXX  person gets done the way Im being done and other XXXX  people are being done and gets assistance she needs I have proof and can say I asked for help also but being XXXX in Amerikkka no one cares about what happens to me or who does me wrong.

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 2020-01-03 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I contacted MEDICAL DATA SYSTEMS INC to let them know they are incorrectly reporting an account. They stated the account would be deleted but it hasnt been deleted yet. I am going to file an attorney general complaint if the account is not deleted 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 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
inquired USAA team regarding refinancing and understanding the current interest rate offering. After getting into the call, the Loan Officer said they could lock me into a 3.5 % APR rate if I started today. There was an initial fee of {$530.00} appraisal fee upfront. Following the appraisal fee and appraisal, the USAA team increased the interest rate to 3.625 % ( the change was just done in paperwork and not verbally discussed ) and have dragged the processes along to where they now want an additional {$660.00} to extend the changed interest rate an additional 15 days to complete the process. I had reached out to the USAA team on several occasions after not hearing any status for periods of 10 days. The delay and lack of communicating the process/timeline and next steps falls on them. I have since talked with the loan officer, who has said it the interest rate increased because the appraisal came back lower. There was never a conversation that the interest rate could change and the loan office had stated when I started these processes that I was " Locked in at 3.5 % ''. The Manager of the Loan officer has left me a voice mail stating that there was no concern during the initial processing of my refinance because they work off the value I provide for the home. The appraisal was set up by the USAA team. It contradicts popular site such as XXXX. Had there been any communication or indicate that the 3.5 % interest rate was not locked in and what it was based on, I would have continued to hold off on refinancing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I purchased an engine thru an online website XX/XX/XXXX of 2019 for {$5800.00}. From a merchant in XXXX XXXX XXXX. I call Chase Visa in XXXX to dispute the charge because the engine had not been delivered. Several days later the merchant claimed he had a different shipper that could make the delivery. At that time I called Chase Visa to discuss closing the dispute. I specifically asked the fraud department agent if the dispute could be reinstated if needed, as I was suspicious of the situation. I was told that I could. By XXXX after many missed delivery dates by the second shipper I called Chase Visa to dispute the charge again. The claim was denied without explanation. I called and faxed in the dispute information 5 times. The last time the claim was denied I was told the reason was because I had closed the dispute in XXXX and it could not be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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