vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit collection services has an account that is not mine, that i did not owe and that i did not have a signed contract with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried to resolve this dispute with Capital One for 30 day late in XX/XX/2018 that's reported on my credit report but they have ignored me I have paid for this on time and Capital one has not applied it correctly in their end. They are ignoring me and not letting me talk to a supervisor they keep replying back with there canned message that they have verified that this payment is late but one thing they have to understand is they did not apply my payment correctly and now I have a late payment which in my credit report, I will not stop my disputes until I am listened to and someone fixes this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I did not receive an answer from anyone of the agency/bureau that I called to request my available loan balance of education funds to complete my XXXX  semester course of study. Each person was only trained to find the debt balance and not the access to loan balance to pay the university. I called the Dept of Ed, NSLDS, Navient, FAFSA helpline,  the XXXX School loan officer, and others. How does our State, Federal and local governments and Congress monitor, regulateNSLDS,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi there Im trying to write this letter regarding my Experian showed negative late payment made my score look so bad that I can not get my house loan refinance! Please help me The Experian information its not correct! 
Need your help to remove it! 

Thank you

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 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I was 52 day late for payment on XX/XX/XXXX and tried to make a payment. The online would not allow me to make the payment. ( I have attached a copy of the Screen ) My account was not available for payment. I called after a second try and the representative told me that my account was okay for the payment did not uderstand why we couldn't put it through. Since I was at work, I didn't have time to talk with her, but I told her I would call back. On the XX/XX/XXXX they repossessed my car, after the majority of the loan has been paid. Erroneiously, I was under the impression one had to be ninty day late before a car would be repossed. The account on the paper work makes it appear that three payments were due, but the second one was just coming due and that's why I wanted to pay it before the second one became due. Additionally they company XXXX the person they contracted with to get a tow company was on the phone with me for over an hour trying to get the tow Company XXXX XXXX XXXX to allow me to get all my belongings and the wouldn't.

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 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
I realize that this issue has not been resolved, and keep saying duplicate but when the IRS took my income tax for the amount of {$8200.00} dollars this loan was paid off. Seems the AES has bought a bogus loan and the loan was only about {$4000.00}. i know for a fact that this loan has been paid off. back in 2014 through IRS.I am not in the national data base as of owing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I traded in my XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Texas on XX/XX/XXXX. Right after I signed the lease I told the salesman that I had my doubts about what I had just signed and wanted to cancel. The salesman told me that I could go back the next morning to either undo the lease, select a different vehicle or modify the existing contract. I told the salesman that my concerns were the following : ( 1 ) I was promised a 36/month lease and the contract was for 39/months. ( 2 ) I was promised to have my trade paid off and not have negative equity rolled in and negative equity was rolled in. ( 3 ) There was a Rent Charge in the contract for {$6500.00} which was about half of the 39 monthly  payments. When I went back to the dealership the very next morning, the finance managers did nothing but tell me how good my contract was and that a high residual was to my advantage which I disagree. The finance manager also told me that he did not know why this salesman had told me that I could undo the lease if that was not possible. Then I saw an article where Ally which is the finance company that XXXX XXXX XXXX used, had a XXXX discrimination settlement. I was wondering if you could review the attached narrative and documents to see is I am a victim or the same type of violation.

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 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime
State: NC

Complaint narrative:
This passed year in XXXX I got a XXXX XXXX XXXX XXXX from drivetime however this is the second one they put me in because the 1st got deemed to dangerous to drive by there warranty mechanic. Towards the very end of XXXX the XXXX XXXX was having issues so the Warranty company gave me options who I can send it to and it sent it and it got worked they said the Engine was bad and needed to get replaced and that the transmission fluid was burnt. The warranty company gave the okay to replace the engine but nothing further. 

The engine got replaced but the mechanic still couldnt get the vehicle to turn over they suggested that it get sent to a XXXX dealership to get it look at further thinking it was a computer issue. However when the XXXX mechanic looked at it the issue was that the XXXX mechanic that installed the used engine and not a complete engine meaning they didnt send the turbo that the engine requires. XXXX broke allot of the parts it was also in their shop for over 2 1/2 months and wasnt fixed I talked to the finance company and asked for help repeatedly however the denied it talked to the drive time compasses for help again denied. Along with silver rock they refuse to repair the issues that their contracted mechanic caused. They finance company not just calls me but calls my mother who is on the loan and also all of both our references. 

I have an XXXX XXXX business my business requires me to drive all over to repair my customers appliances without a vehicle it is hard to do. I normally work a 12 to 13 hour day however due to me not having my own vehicle and having a girlfriend nice enough to let me use hers I can only work 5hrs during the week. I get calls none stop they just threaten to take my vehicle away cause I cant afford to pay for it due to not being able to work my normal time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International called me to say I owe XXXX XXXX {$670.00} for XXXX  services. I have never used the aforementioned service and I do not understand what they are talking about. Besides that I have insurance and they would have advised me on if I really owed any one any medical bill. 
They called on a number which is XXXX which is a fraudulent number used by scammers. 
I checked Credit Systems International and they have a complete different number. 
When I asked them to give the number and address of the original people I owe they refused to give it to me. 
They have kept harassing me with letters and phone calls. 
They told me the company I owe from is XXXX XXXX but wouldn't give a number or an address. 
Please help me stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/19, I made a purchase using my Brooks Brothers Platinum MasterCard serviced by Citibank Retail Services ( " Citi '' ) in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$320.00} ). On XX/XX/XXXX, I contacted Citi concerning the charge and the merchant 's failure to provide the order. I received a response from Citi dated XX/XX/XXXX, stating that the merchant disclosed proof from XXXX that I signed for the package. ( See attached as Exhibit A ). This information was false and misleading. On XX/XX/XXXX, I replied to Citi with additional information from XXXX indicating that the package may have been  delivered but without signature as the merchant did not ship the package with a signature requirement, ( See attached as Exhibit B ). As such, I requested an internal review of charge, dispute process and further inquiry. In the interim, I made good faith payments to my account with Citi in an effort to avoid delinquency and fees. In addition I requested that all fees and penalties on the disputed amount be reversed. Since my initial dispute in XXXX, Citi has charged XXXX XXXX Dollars and XXXX Cents ( {$67.00} ) to my account and reported my account as delinquent to the three major credit reporting agencies. Their erroneous and egregious conduct has now affected my credit and ability to do business with other lenders.

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 2020-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
My mortgage servicer was XXXX XXXX XXXX. On XXXX XXXX my new servicer became Mr. Cooper while in the middle of a refinance through XXXX XXXX XXXX XXXX. Mr. Cooper included the chase escrow amount plus principal balance in the new principal balance held by Mr. Cooper. Additionally Mr. Cooper included a {$25.00} charge for estimated payoff 7 days of interest as well as recording cost in my new principal balance that was refinanced by XXXX XXXX. Essentially Mr. Cooper increased the amount of principal debt and charged XXXX XXXX more for a loan in payoff. Is this legal? Why am I suffering for someone that wanted to buy my loan for free at my expense?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy and one of my debtors was Chase bank with who I had a credit card. After filing bankruptcy, Chase processed an automatic payment of {$500.00} from my checking account. Prior to my bankruptcy, I purchased concert tickets through XXXX on my Chase card totaling {$460.00}. On XX/XX/XXXX, I received a letter from Chase informing me that they were going to refund my {$500.00} payment as they can not accept payment after I filed bankruptcy. Also, the concert I purchased tickets for was canceled so {$460.00} was refunded to my closed Chase credit card on XX/XX/XXXX. I still have not received the refunded payment or the concert ticket refund. I have contacted Chase customer service multiple times and was informed that the check was in the mail. In XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX XXXX, CA where I spoke with a personal banker. He contacted Chase customer service to find out what was going on, but he was unsuccessful. The customer service agent said she would contact me within 24 hours with an answer. I never received a return phone call. In the fall of XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX, CA. I spoke with one of the bankers about my situation and she took copies of the paperwork I had regarding this issue. She contacted me a week later letting me know she was still working on it, but I have not received any further communication. It is now nearly a year since I received the letter from Chase, but I still havent received the payment or ticket refund. I will attach the email string from XXXX showing that the refund to my Chase card was successful as well as the original letter from Chase telling me about my payment refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
made repeated attempts to unfreeze credit with Equifax. Kept getting told system was down and to call another number. none of the numbers worked. nobody would help and kept telling me system was down and to call back in 30 minutes. still got the same answer. this happened XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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:
I am filing this complaint because Experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue 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 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Hello, This is regards to a credit account I have with TD Bank using their Myonlineaccount.net website access. This platform is antiquated, limited, hard to use, and very difficult to properly set up automatic payments. It was difficult to set up an initial user name and password on their site to even begin making a payment, but I was able to set this up and make payment with a significant amount of difficulty. I believe that they purposely make this difficult to access online services to make payments on time and force members to incur late fees. 

On XX/XX/2019 I was waiting for my new card payment to clear after trying to set up recurring payments the prior month. The due date for the payment was the XXXX and unfortunately, the payment did not initiate. I immediately made payment on the XX/XX/2019. The payment cleared on the XXXX. However, I was assessed a {$27.00} late fee. 

Again, I tried to set up recurring payments so that I would not get any more late fees. I have good credit history of making my payments on time. Unfortunately, the XX/XX/2019 payment did not initiate and TD Bank assessed another fee in the amount of {$38.00}. 

I called to speak with them and they would only refund the {$38.00} fee. I asked that they refund both fees because I tried multiple times to set up the recurring payments. They make this system difficult to use on purpose which I believe caused this issue. I have many other accounts and have autopay set up on those with other banking institutions without any issue. The user interface for their page is not friendly and can be confusing. 

I spoke with an agent on the phone and eventually asked for a supervisor. The agents response was that she could request a supervisor but could not guarantee how long I would be on hold until they would take the call. I felt I have being put off and pressured into getting off the phone. I said I would wait and a few minutes later the supervisor answered. She said that I had paid late and they could only waive 1 fee as a courtesy in a 12 month period. I stated that the {$27.00} fee in XXXX should not have ever posted to my account because I tried to set up recurring payments and that when the payment did not initiate that I paid the immediate following day. She stated that I paid late and that the fee could not be reversed. She could only refund the one fee. I do not recommend TD Bank or their user interface through the Myonlineaccount.net page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo requires me to sign away my rights as a US citizen forcing me into binding arbitration and giving up my right to join class action lawsuits as a precondition to using online banking. They did not disclose this when signing the mortgage. I have filed complaints with them including XXXX and they have stated this is done intentionally. It is impossible to view, make payments, or interact with my account online in any way without giving up my rights. 

Wells Fargo is a criminal institution of unprecedented magnitude and forcing their customers to give up their rights in order to interact with them in an online fashion is unacceptable.

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 2020-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
Had an XXXX with XXXX financing back in XXXX. XXXX got repossessed and was told they would auction it off and if it sold for what I owed I would be clear. Havent heard anything since XXXX and in XXXX of XXXX theyve randomly started reporting on my credit that it is a charge off account and it has shot my credit. Confused as to why I never received anything through the mail about this years ago for them to all at once report this to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX, TransUnion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue 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 2020-01-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX, XXXX and Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: AES/PHEAA
State: NJ

Complaint narrative:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, FEDLOAN is reporting numerous accounts in my name as 120 days late. I have contacted FEDLOAN numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX ), and they refuse to delete the item because FEDLOAN responds to the dispute by stating that the loans are verified and accurate.

Company response to consumer: Closed with explanation