vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
My name is XXXX XXXX. XXXX XXXX had leased a car from U.S. Bank. The dealer XXXX XXXX XXXX XXXX Wi. He had the beginning stages of XXXX. This was done in XX/XX/XXXX. I went to the dealer and told them About XXXX and his beginning stages of XXXX. My daughter XXXX XXXX talked to the loan officer prior to the signing of the lease. When I went to the dealer they told me there was nothing they could do because it belong to the bank now. Because of his XXXX he was told by his neurologist not to drive. Basically he was paying the loan payment until XX/XX/XXXX that is when I decided to go to U.S. Bank with XXXX XXXX to have the vehicle changed into a loan. US Bank put the loan in my name. I continuously called the lease Company because the lease was never changed to my name when I signed the loan XX/XX/XXXX The leasing company out of U.S. Bank kept on telling me XXXX had to take out the loan. The loan could not be in my name. I was reassured that it could be changed to my name. In XX/XX/XXXX XXXX XXXX was charged a lease payment and I was charged a loan payment. After many calls they corrected this issue. The loan I signed for Had the wrong amount on it they had charge me double for taxes on the loan again I was calling about this issue US Bank told me they corrected the loan and XXXX XXXX was reimbursed for the lease payment. The title came as paid off in XXXX XXXX name I was told to take the title to the bank and there It sat for a month. I kept on checking DMV website to see if the title had been put in my name. It had not again I was making many calls. At the beginning of XX/XX/XXXX I was told it was taken care of and it would take 23 days still not in my name. I called again then they said it was sent in and it would take 13 days. Still the DMV had not received it. I have been calling and emailing the CEO and it was turned over to somebody else. Finally XX/XX/XXXX I was told it definitely had been sent to the DMV. The title is still not in my name with the DMV although I have been told it has been perfected. The problem is that I have been paying on the loan I have been paying the car insurance and the car has not been driven. I wanted to sell the car and now theyre at XXXX XXXX months have passed the value of the car has gone down significantly. I now owe more than what the car is worth. U.S. Bank just tells me that they corrected mistakes. I have told them How stressful this has been but they dont seem to care. The vehicle is a XXXX XXXX XXXX XXXX with XXXX miles. Again my name is XXXX XXXX from XXXX Wi I would like to be reimbursed for all the money I have been losing due to their incompetent. If US bank made a mistake on the loan which I did sign can they just called and change the loan amount.

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 2019-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
showing error on my credit reports listed : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I contacted Cavalry Portfolio Serv by mail about a collection that appears in my credit report they responded back with a screenshot of an online photo about an account I don't know nothing about this account. This is the details that show in my 3 bureau credit report. 

Account Name : Cavalry Portfolio Serv Account # XXXX Original Creditor : XXXX XXXX Account type : Collection Date Opened : XXXX XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to an attorney, collection agency, or credit grantor 's internal collection department. 
Status Updated : XX/XX/XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Past Due Amount : {$4400.00} Terms : 1 Month Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: FL

Complaint narrative:
Dear, Today XX/XX/2019 on XXXX I just got off the phone with a disrespectful Supervisor at XXXX XXXX  named XXXX . 

We had been aproved for a XXXX XXXX in XXXX and only needed to send XXXX XXXX proof of my identity. 

On XX/XX/XXXX I spoke with a XXXX XXXX  phone rep who provided me with what she told me was the XXXX XXXX XXXX XXXX XXXX which I needed to send my paperwork to. However, this address was wrong and we received the envlope with our paperwork returned to us by USPS XX/XX/XXXX. 


We called XXXX XXXX on the XXXX and were told to resend the paperwork to another address. 


XXXX XX/XX/XXXX we called XXXX XXXX again and spoke with the above XXXX XXXX. He behavior was awful, disrespecting us by playing a dodgy game. Every time I would mention that we had been given the innaccurate address by a rep from her Dpartment oon the XXXX of XXXX she would completely ignore this fact, or even XXXX in interrupting me mid speach to repeat that we had been given an address by a different department on the XXXX. She had no desire to show XXXX XXXX 's customers any respect, help resolve the issue in any way, nor admit any fault by her depart whcih she is overseeing in any way. No help was provided by her as she had no desire to admit or help with our problem caused by one of her staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX claims I owe XXXX to XXXX, this amount was paid prior via a XXXX XXXX money order which was mailed several weeks ago. It appears payment was either lost in the mail or credited to incorrect account, I do not have receipt to show it was cashed as payment was sent several weeks ago and the receipt subsequently discarded. Also, I have not received payment from XXXX for a claim I filed while I had coverage, I believe the amount owed to me is over 300. I think it is absurd to expect payment when they have not paid me for my claim. In closing, please advise CCS of this information and I'd also like to confirm they are the in house collection agency for XXXX XXXXl.. Several XXXX XXXX   reps have stated that CCS is their in house collections agency and I do not believe this is true for several reasons. First, CCS lists a different address and number than XXXX XXXX. Second, I know other companies use CCS for collections such as XXXX and XXXX. It appears the reps I spoke with lied in order to claim they are owed on prior policies which are either several years old, invalid as they were supposed to have been canceled prior to additional coverage, sold off to CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.

Complaint narrative:
When XXXX XXXX sold my mortgage to Penny Mack, my mail was not forwarded to my correct XXXX address. Automatic payment and contact details were not correctly input by Penny Mack. As a result I had no knowledge that Penny Mack was my new mortgage company and my first 4 monthly payments were not taken. As a result my credit rating is severely damaged and my ability to utilize the VA IRRRL program is lost. 


Penny Mack complaint numbers : XXXX & XXXX Please help, XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
company name is XXXX XXXX XXXX XXXX. this company is claiming i owe them four different credit card accounts. 

which are listed on my credit report. I've been back and forth with them almost a year disputing these amounts and requesting proof of debt.until this day i have not received. this company is falsely stating on my credit report report that the debt has been verified which has not been. i have disputed with all credit bureau 's and because of the false information written on report the credit bureau do not go further with investigation. I've sent another letter today to all credit bureau and including debt collector once again asking to verify debt for all four accounts. i would assume if i don't receive notice within 45 days as stated by the law that this should have been removed by credit bureau. all i'm asking is for some help in clearing up this mess on my credit report. 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 2019-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX got a small loan with Regions Bank. They are trying to make it look like a credit card. These people are crazy. Since when did they give credit limits on a personal loan? Payments are being made but they are not acknowledging the payments being made the balance is not being updated either. The balance is remaining the same.

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 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date Opened : XX/XX/XXXX Creditor : XXXX XXXX XXXX, aka " XXXX '', aka " XXXX XXXX XXXX '', aka, " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code :  Co-Signer Collection Agency : XXXX XXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting 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 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The sales associate charged our account for our jewelry purchase of {$630.00} and did not add the deferred interest promotion. He said he would call and have it fixed and have the deferred interest promo added to the purchase. He re-charged our account for {$630.00} on XX/XX/18 with deferred interest. We have 2 charges for {$630.00} on XX/XX/18. One had the promotion and one did not. The first purchase without the promotion must not have been taken off because we are being charged interest on it.

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 2019-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
My mortgage has been in default due to the company not being willing to work with me reasonable payment arrangements. 

They have employed debt collection practices to bully me into making the payments on time, even though I have asked for arrangements due to extenuating circumstances like loss of job and family member. 

For the last month I have received three calls a day, every day because I am three weeks past due. When I do speak with a representative, supervisors, and managers they are very condescending and verbally abusive. They have asked that I pawn, ask my family and friends for money and even go to non-profits to ask for money even if I am not a part of the organization. The latter is a very troublesome suggestion as there are more people worse than I am financially that should be receiving that help. 

Additionally, they let me know that there were late charges that had incurred, but was not notified of these until now and now have accrued and added to the total balance of my loan. 

21st Mortgage from XXXX, TN should be more understanding of their customers and willing to accommodate for extenuating circumstances. 

An option is available to make biweekly payments, but hard to meet qualifications are set up, therefore not allowing all to benefit from this option. 

Unfortunately at the time this was my only option for a mortgage company as it seems this may be the case for many. If I would be able to choose again, this would not be the mortgage company of my choosing or any one else with self respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. I have missed a payment in XX/XX/2018 and was 30 days past due but now current. I applied numerous times for a loan modification to get loss mitigation assistance but did not get any help. Chase only gave me a loan forbearance option. I am XXXX XXXX XXXX and have an issue with refinancing since my DTI is too high because of excessive debt so I get declined every time and my credit score is too low at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
In early XXXX, I noticed I was unable to access account information on XXXX XXXX. There was no advance notification. Upon contacting customer service, I was told the loan was being transferred, and no further information is available, and no payments could be made. 

Now, I finally received notification of the loan transfer to Heartland. I then had to signup with Heartland for loan repayments. However, nowhere in the process did it mention the XXXX payment. It was totally unclear whether payments were for future installments, the past installment, or a combination thereof. I had to discuss with a representative, who had no idea if an XXXX payment was made, who then manually changed my XXXX payment to also cover the XXXX payment. There was no communication regarding the XXXX payment, or whether the new payments would cover the XXXX installment until I had to discuss and explain to them the loan change. This should not be the case. The loan company should be the one explaining how the loans are being bought and sold, not me explaining to the loan company how they are doing their business. Of course, the notice also mentions that late fees are waived for 60 days from the changeover, but during half that time I was unable to even access the account! If I had not been so careful in reading the documents and comparing financial payments to the 2 different servicers, I have no doubt that 60 days would have passed before any missing payments would have been noticed, and at that time, per their policy I would have been charged a late fee. However, there seems to be no repercussions for Heartland failing to keep their own records up to date, as I was told sometimes things are " delayed. '' I spent a significant amount of time with the CSR trying to understand why these delays are occurring and why there is a discrepancy between 60 days and 90 days, which is what they were quoting on the phone and in chats. At some point they told me, and then confirmed, that XXXX considers XXXX to be 60 days from XXXX for purposes of the transition, because of the missing XXXX payment which they were heretofore unaware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank closed my account with no notice or warning. I received a letter dated XX/XX/19 saying the account was closed due to inactivity. This will impact my credit, and when I spoke to the company they said the only solution was to open a new account which would be considered an inquiry on my credit ( which also negatively impacts credit score ). After having this card for years it does not seem fair that they can close it with no notice.

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 2019-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ZARVAD III S.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX I keep getting calls from this number claiming I owe them money and are taking me to court. Ive NEVER taken out or received a pay day loan. They can not tell me when the loan was taken out ( XXXX ), how much its for, where it was secured. The current balance they claim is {$1000.00}. They sent me an email saying it was being dropped. Then a month later start up with the calls again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Purchases from XXXX to current charges was made in ny bank account. On XX/XX/XXXX filed a police report XXXX XXXX for identity theft and fraud. I then filed a report with my bank. The bank told me that they gave me forms when o open the account, that s was about safe guarding you info. I never received such a form. They also say it was no misprint for my pin and their was no mismatch in information. Which is why they decline my claim. I did not make any of those purchases. And it was not my fault my information was stolen in a XXXX. I would like the outcome that I get my money back. I am in the verge of being homeless with my children and we really need that money. So if I have you I ready to take this complaint to the end. I have nothing left to lose I m about to be in the street with my kids I need my money back. I spoke with the vendor they said they reported it as fraud they didnt charge me but than the money not in my account. This is so horrible that someone can act and try to look like you go around pretending to be you. And use your information and the first thing someone at the bank said to you is well it was no errors in your information. Well o would think so if they stole all of my information. 

Please resolved this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: LEXISNEXIS
State: TN

Complaint narrative:
Lexis Nexis is a third party vendor who is reporting inaccurate information to credit bureau I demand that you stop reporting inaccurate information on my credit report you have 30 days if this issue is not resolved I am going to file small claims case because this company is in violation of the FCRA. I have contacted the courts and I have a signed document Im not going to provide until it is time to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I notice a huge discrepancy in my XXXX account. An unauthorized transaction in the amount of {$2600.00} was taken from my account from XXXX. XXXX jacked up the price of the amount owed, this is not right. On top of that after they took the money from my account XXXX sent me another letter charging me late fees on a account that has been closed since XX/XX/2019. I contacted the bank to dispute this charge and also filed a CFPB complaint for the bank that's still pending. XXXX has been in contact with XXXX in regards to this transaction and refuse to refund my money/differential. I received a letter dated XX/XX/2019 from a IC Systems collection agency informing me that the XXXX account # XXXX in the amount of {$2600.00} was turned over to them. On a letter dated XX/XX/2019 I received yet another letter from the same collection agency offering me a settlement on this XXXX account for {$1800.00} I still though that was to high, but I was ready to accept the offered amount and move on. Also please note the collection letters have different amounts owed.

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