vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 I took a taxi from XXXX XXXX to downtown XXXX ( about 14 miles ). The fare was {$61.00}. The driver was having problems with his credit card machine so he made me pay with XXXX. So I paid through XXXX and asked him for a receipt. I received a text message receipt from XXXX with the correct fare of {$61.00}, charged at XXXX eastern. That night, I noticed that my credit card had been charged {$660.00} ( so he had added extra '6 ', overcharging me by {$600.00}. When i called Chase Bank, they said the charge was pending and to call back once it posted if it was still incorrect. The next day, the charge posted for {$660.00} so i called to officially dispute the chargeXXXX Two days ago ( XX/XX/XXXX ) Chase called me and said that the driver provided " proof of service '' for the {$660.00}. I then sent Chase my XXXX receipt and they said they couldn't accept it as proof because, at the very bottom, my receipt said, " paid in cash ''. However, I did NOT pay in cash. I clearly paid with my credit card ( you can tell by the vendor name and timestamp of the receipt and charges to my account ). The driver produced a fake receipt claiming that I took a " round trip to and from XXXX New York ''. I have never been to XXXX NY and I can prove that I flew into JFK that night, which is where he picked me up. Chase would not listen to any of this and would only restate that the merchant " provided proof of service '' and that I could try to resubmit the dispute but the outcome would not change. They refuse to help and just blindly accepted this fraudulent receipt from the driver instead of listening to any facts or logic about the dispute. So Chase is helping this driver get away with ripping off passengers, but refuses to support their long time customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
National enterprise systems. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.

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 2019-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have a claim recap from XXXX XXXX XXXX XXXX XXXX ( date prepared : XX/XX/2019 ; date of service : XX/XX/2019 ) stating that there was an expense of {$1100.00} and I had to pay an amount of {$0.00} out of pocket to the provider XXXX XXXX XXXX XXXX XXXX XXXX.

I also have a statement from XXXX XXXX XXXX XXXX ( statement date : XX/XX/2019 ) stating I have an amount due of {$1100.00}, with insurance covering an amount of {$0.00}. I assumed that insurance has already covered this.

I have called XXXX hospital and they have stated that they have sent the debt to CMRE Financial Services Inc. and I ignored them, thinking that insurance has already covered the debt, especially when it was from so long ago and that XXXX has sent a letter stating that they have covered it. Collection is on me and is not on my fault because insurance has not sent clear instructions whether to pay this amount with our insurance card or not.

It was never clear that there was a check sent to us ( not in the amount of {$1100.00} ) from XXXX   to pay for the expenses of the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX  and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.

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 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MA

Complaint narrative:
I had tried to withdraw about XXXX over a few transactions and I never received the money i requested and my card provider refuses to give me a provisional credit while they investigate

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 2019-06-23 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: Credit Karma, LLC
State: CA

Complaint narrative:
Just received a notice from XXXX XXXX that a hard inquiry was made on my credit that was unauthorized by me. The agency was XXXX XXXX XXXX, made in XX/XX/2019. Since I have wonderful credit, this will take 2 years to go off my credit report and lower my score. I don't believe that a company can make a hard inquiry without letting me know about it. And since I already have XXXX XXXX XXXX, and have had them for 2 years, why should they make a hard inquiry anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cash Call have listed a charge off on Credit Reports.Cash Call is reporting accounts are invalid and unverified. I have sent multiple letters asking for my signature on any loan application they are indicating that is mines. Cash Call have sent me a billing statement. they did not send an application with my orginal signature that I have request more than once. 

if they can not produce a application with my signature on it, I want Cash Call to remove the item from all my credit reports they are reporting incorrectly per the FCRA/FDCPA. This reporting is causing me anguish and slandering my good name. 
Account Name : CASHCALL Account number:XXXXXXXX Amount : ( {$5000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket Mortgage escrows for my homeowners insurance. They have not paid the insurance and it is being cancelled. I notified them and the insurance company billed them. They do not pay the escrows timely.. 

They do promptly credit mortgage payments to the account. They cash checks but to do not credit account. 

I have sent them faxes and emails but they do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: NY

Complaint narrative:
in retaliation for me reporting Experian to this agency the ftc and attorney general, they have illegally reinstated six ( 6 ) accounts that were deleted from my credit file on XX/XX/XXXX, XXXX two ( 2 ) of which were identity theft items, that were proven to be fraudulent. on XX/XX/2019 i notified experian that they were the only credit bureau reporting accounts that were supposed to be deleted from my file. these accounts were paid in full and were no longer being reported by the creditors. not only is experian reporting these accounts, they are being reported as charged off, not paid and with a balance due.when i called experian they stated that it was due to a RE-INVESTIGATION, that i requested. why would i request a re-investigation if the file was deleted as a result of my original dispute. this has resulted in my credit score decreasing by 27 points. and once again i have been denied  housing. Experian had no reason to launch a new investigation and then lie stating that i requested.i am XXXX and my husband is a XXXX veteran. we are dealing with numerous physical medical issues. this is harassment and bullying on Experians part.the following items were deleted from my file ; XXXX XXXX ( fraud ), XXXX ( fraud ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ) & XXXX ( paid in full ). all of these accounts were paid in full in XXXX. and were to be deleted from my credit file as per the creditor. i have reached out to all of them and they have stated that they are no longer reporting and have kept their agreement to delete the files. XXXX  and XXXX-XXXX are not reporting these accounts. experian is also reporting these accounts as of XX/XX/2019 to remain on credit file until XXXX which is also illegal.

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 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA
State: CA

Complaint narrative:
There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in FedLoan back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which fedloan was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as XXXX consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of FedLoan taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
yes this creditor closed this account due to one or two return checks. Which isn't right. then set up payment option but fell behind. I had deaths in family and want to reset up payment option. Try to contact with no avail. Yet they been friendly and helpful at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
My XXXXXXXX score had drop 35 credits by this case! And I do not know why and how this case happened! then even give the case, so I can not submit my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNCB/BELK I PURCHASED A {$1000.00} DIAMOND RING XX/XX/XXXX. QUALIFIED FOR 0 % INTEREST FOR 1 YEAR TO BECOME A PREMIER CUSTOMER!!!! 
LOW AND BEHOLD MY CREDIT SCORE DROPPED 40 POINTS!!!! 
I IMMEDIATELY GOT MY CREDIT REPORT AND SYNCB/BELK HAD NOT ONLY DID NOT CREDIT MY ACCOUNT {$610.00}!!!! WTH!!!! PLUS, THEY OWE ME CREDIT FOR THE INTEREST ON THE DIAMOND RING PURCHASE IN THE AMOUNT OF {$120.00}!!!! I DID PURCHASE A {$54.00} COAT THAT DIDNT QUALIFY. THATS FINE. BUT WHERE DID MY MONEY GO? SOMEONES BACK POCKET??? 
HOW COULD THEY MAKE SUCH A HUGE MISTAKE???? 
IM SO UPSET!!! WHAT IS GOING ON WITH SYNCB???? AND BELK????

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 2019-06-23 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: TX

Complaint narrative:
My student loans were consolidated on XXXX of XXXX so that I could get on an Income Based Repayment plan so that I could have my loans forgiven under Public Service Loan Forgiveness. I  began making payments to Navient from XX/XX/XXXX through XXXX of XXXX. My credit report does not show that I made payments to Navient from XX/XX/XXXX to XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 total payments have been made. That is also {$9200.00} that is not credited to my bill plus interest I may have accrued. I have my bank statements showing that I made all of  these payments. 

Also, when I call XXXX XXXX ( my current servicer ) they are saying that I was on the wrong payment plan during this same time period XXXX XXXX XX/XX/XXXX. So if I do get credited for these payments they are not in the right plan in order to receive Public Service Loan Forgiveness. XXXX XXXX is the company that serviced my loan in XX/XX/XXXX and put me on an IBR plan. When they sent my consolidated loan to Navient they should have had Navient put me on an IBR plan. It did finally get changed to an IBR plan at the end of XXXX. 

XXXX needs to show a credit to my account of {$9200.00} plus interest. 
XXXX currently only shows that I have 11 payments towards my 120 payments needed when I have made 102 payments.

I have never missed one single payment. Please help me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dream Center Education Holdings
State: MD

Complaint narrative:
The University that I was completing my XXXX XXXX in XXXX I had all of a sudden been accessed with a {$7000.00} bill owed that was 3 /4 years prior. I contested the amount owed directly to the school stating that it would not take 3/4 years to realize I owed a private debt beyond the Student Loans owed. The School has  since had their accreditation revoked due to misappropriation of federal Funds and stealing from the students without returning said funds. Thus, that was a scam attempt to collect more funds from the student.

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 2019-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: U.S. BANCORP
State: ID

Complaint narrative:
XXXX  XXXX XXXX  forced us to make a non-refundable down payment before giving us any details about who the loan was through, what the % rate was, or what the total cost of the loan was. They refused to accept {$1000.00} down so we put done {$3500.00}. Our credit card was charged {$3500.00} that day. While they kept our credit card and drivers licenses they made us sign a statement of understanding stating that we would use their financing and carry the loan for at least 9 payments or they would charge us {$2000.00}. 
XXXX XXXX XXXX ( uncertain if that name is correct ) at XXXX XXXX bombarded us with a bunch of paperwork. He made it clear we were on camera and being recorded. He said it would take 15 minutes but we were there more than an hour and a half. Finally he showed us the contract. He refused to listen to our request to use XXXX XXXX XXXX. He did tell us the % rate at that time. He did not tell us how much our finance charge would be if we followed the payment schedule. He did not say there was an additional {$75.00} prepay charge from XXXX  XXXX. They gave us no choice who to finance through and and we felt forced to sign all they had even if we did not agree with it. We felt this because of the non-refundable {$3500.00} and the confusion of what the {$2000.00} was. 
They said they would use our credit rating but did not check our credit. 
XXXX We went to XXXX XXXX XXXX. They told us XXXX and was notorious for using scare tactics and they didn't think they could force us to pay the {$2000.00}. They didn't understand the {$2000.00} either. They offered us a much better deal and we paid off the XXXX XXXX loan. 
XXXX XXXX XXXX  We got a letter from XXXX XXXX at XXXX demanding {$2000.00}. They said XXXX  XXXX  was going to charge them. No terms were displayed. XXXX ext XXXX. 
XXXX We called XXXX  XXXX and spoke to XXXX. XXXX told us they do not charge back Dealers and he didn't understand the {$2000.00}. XXXX said the Non-refundable {$3500.00} part of the transaction was very questionable and we should report. 
XXXX we got a second letter from Ms. XXXX. The letter said if we refused to pay by XX/XX/XXXX we would be reported to the Credit Collector. At first XXXX said we should be able to choose our own financing. Then she called back and said we had no choice. We told XXXX we were going to complain. XXXX e-mailed us a copy of the charge back statement showing XXXX  XXXX sent to them. 
XXXX XXXX received a check for {$2000.00}. 
XXXX We called at XXXX  XXXX  to contact XXXX. Attempts have been made on our side and there's however, we have not been ever to make further contact with XXXX   XXXX. I think the lady 's name is XXXX with XXXX XXXX in XXXX WI. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I was checking my credit score today and I saw a drop of 33 points due to a collecting account been opened on XX/XX/2019 by some DIVERSIFIED CONSULTNTS on behalf of 11 XXXX XXXX XXXX stating I owe them XXXX dollars as a debt.. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt from the XXXX XXXX XXXX or their collector named Diversified Consultnts. They just tried to ruin my credit score by putting a false debt on my credit report and I want them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it  beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.

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