vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: AES/PHEAA
State: AR

Complaint narrative:
I have tried to get information as to why they has listed my accounts the way they have so it seem I have all of this debt cause my accounts are listed one by one and I was in the income driven program and was told that even though my payback amount was XXXX it sill cointed towards the PSLF program and when you look at the statements it says XXXX went towards that program this comapny has not informed me on anything I have been doing research on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I have addressed the issue with the company, but still no resolution. I am in the process of trying to buy a house and Credit Acceptance refuses to remove the late payment erroneously report off my credit. I have bank statements reflecting the dates of payment made on time each month, which I have presented to Credit Acceptance. I have attached statements showing all monthly payments. The payment history sent to me was not accurate information regarding my account.

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 2020-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
Someone from Cashnet USA calls my job daily. I have told them that I can't take personal phone calls at work, but they call everyday anyway. They are calling my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This is the clear unlawful illegal sharing of consumers personal information that created ponzi scheme allies debt payments of the Name Brand users personal debt Communication Tactics. I do not owe nothing whatsoever to XXXX yet a third party I have never done any business with have my social security that is with Identity Theft it is illegal. This Account has being PAID and CLOSED from XXXX XXXX, and I have been to several different locations over three or four times to get this illegal SCAMMING and FRAUD that is with Identity theft resolved which I was given the receipt acknowledgments that makes it ALL FINAL AND CLOSED. NO DEBT TO PAY WHATSOEVER, this is FRAUD. There is too many BRAND NAME USERS where no one can keep up with which XXXX BRANCH must take the account close off, so every which thousand branch will up load new false information and play the treat game to get paid as if you need to pay every branch DEBT. No matter the false account request these company have the rights to right off their debt so they are doing illegal ponzi scheme selling dead debt that make it double dipping illegally, when they can write off their debt and sell in wholesale market share to create their own debt pay off.

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: KEYCORP
State: PA

Complaint narrative:
I was offered a balance transfer offer in XX/XX/XXXX for one year until XX/XX/XXXX at 0 % and only pay a balance transfer fee. 
Since I have done this promo on this card, I have been accessed interest every month and I am being told it is because I made purchases. 
I have proof that I have clearly paid way above what is needed to be paid to not incur any interest and they will not remove it and tell me they dont even see a promo and I must pay my card down to {$0.00}. 

I am being lied to and ripped off by KeyBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AL

Complaint narrative:
My mortgage was purchased by BSI financial and i was granted access to their payment portal. I set my payments up to be bi-weekly and the amount was to cover the entirety of each month 's payments every 2 weeks. I initially added {$250.00} per payment in additional principal. This change apparently caused BSI to suspend my account and when no regular bi-weekly payments were deducted from my account in the month of my I logged in and found my account was suspended and marked delinquent. I made an inquiry through their customer care portal and was told that I had suspended the account. That is not possible to do unless 5 days written notice is given according to their policy. No such suspension letter was sent. I spoke with a XXXX XXXX who told me he would handle the matter. I was then informed BSI can not process biweekly payments in the full amount of a monthly payment and can only take a 1/2 payment. This has been proven untrue as they did take the correct amounts in the month of XXXX. Since this has occurred I have been passed off to XXXX XXXX who told me she would personally oversee the account. She agreed to retroactively credit the appropriate amount to the missed payments due to their error, but in so doing did not apply the amounts correctly or offer any explanation. When this was brought to her attention she informed me she would look into the matter. On XXXX 3 payments of {$1400.00} were deducted from my savings account and placed in an UNAPPLIED Status. After receiving 5 letters from BSI stating they would process my payments bi-weekly in the full amount of {$1200.00} and apply the first payment to principal interest, and escrow and the 2nd payment to principal reduction. On XX/XX/17 they deducted {$710.00} and it is sitting in UNAPPLIES. I can make no sense of the LOAN History which I am attaching for your review along with the letters. Upon written inquiry to XXXX XXXX I was instructed after 9 days of no activity to correct my problem that my account was being transferred to the complaint department. I have written bth Miss  XXXX and XXXX XXXX Senior Counsel Letters to try and get this corrected and am getting nowhere with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Its not allowing me to use this app because I have a PNC checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a suntrust bank customer and there are fraudulent activities on my account since XXXX I deposited {$20000.00} towards my suntrust mortgage payment to be applied as principal balance. Suntrsut applied only {$10000.00} Suntrsut did not apply the month laon amount of {$1400.00} from XXXX - XX/XX/XXXX The loan was reset back to {$130000.00} in XX/XX/XXXX Loan amount at beginning of XX/XX/XXXX was {$130000.00} Loan amount should have been {$120000.00} - {$10000.00} The loan amount needs to be reset to {$90000.00} for fradulent activities committed by Suntrsut Bank. 

There have been fraudulent activities in my checking account for the amount of {$25000.00}. A check for {$25000.00} must be deposited into my suntrsut checking account I would my suntrsut checking account and suntrsut mortgage laon transferred to a responsible bank and managed by a resposible authority, Thank you Sincerely, 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 explanation
Consumer complaint received 2020-07-27 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, EQUIFAX & XXXX  have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint XXXX Explaining that this account did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account for U S DEPT OF ED/XXXX and review all the identity theft information that I previously sent 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 2020-07-27 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 a victim of identity theft, I do not have a XXXX XXXX credit card, nor have I ever been in the XXXX and this is not my account

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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/2020, my sister send a wire transfer from the XXXX XXXX to Bank of America ( receiver : XXXX ) Bank of America, NA XXXX, FL US for the amount of {$2500.00} U.S dollars. The final destination suppose to be XXXX XXXX. Bank of America is the intermediary Bank. The money was never received or send to XXXX XXXX. A complaint was filed against XXXX XXXX and they responded that they never received the {$2500.00}. Please see attached receipt for the transaction, Note on the attached documents the information showing Bank of American receiver XXXX. in XXXX, FL. Please see other attached documents.

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 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I was a XXXX  of XXXX  XXXX XXXX. In the course of my study i have lived in XXXX apartment all my life. In the last year of my stay in the school, i signed a lease with them as usual. I realized i would be graduating in XX/XX/XXXX, so i decided to sign a 10 months lease starting from XX/XX/XXXX through XX/XX/XXXX. After XXXX, i moved out of the apartment since my lease expired XX/XX/XXXX which was my XXXX  date. 4 months later, i started getting calls from carter-young ( a collection agency company ) stating i am owing 2 month rent for XXXX and XXXX. 
This come as a surprise to me, and i sent a copy of the notification i received when i signed the lease to the collection agency. However, they refused to acknowledge the documents i sent to them. The document was sent to me by XXXX apartment and it states the start and ending of the lease in conjunction with how much am to be paying every month. 

Please help me look into this case as it has really affected my credit score. And they have really caused so much damages to me. I am willing to forward a copy of the electronic mail sent to me when i signed the lease if needed,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've requested a reasonable settlement offer to compensate for damages as a result of Wells Fargo reporting information to consumer reporting agencies, stemming from accounts opened by them which I did not need or want. The offer ( s ) made to me do not compensate for damages including potential interest on monies I was unable to deposit because I could not open deposit accounts, due to info reported, as mentioned before. I was offered an amount of {$3800.00} by XXXX XXXX in XXXX of 2019, another offer of {$500.00} made via mediation session recently, both offers do not cover damages sustained due to inability to open accounts The offers were accepted, however, do not compensate and do not release Wells Fargo of any claims. Further, I did not sign anything releasing Wells Fargo of claims. Failing to make a reasonable settlement offer, I request an address make file suit.

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
while a customer at Wells Fargo Bank. i had a debit card and a credit card and had wanted fraud protection because of fraud i had before from a bank in Montana. and all this happened at least a year or two before Wells Fargo was in the paper for many issues of wrong doings. i would come into the XXXX XXXX branch when i started noticing issues with both my debt card and credit card. i would notice while using my debit card the charge would be on my credit card as well and the other way as well. the people would change my cards out several times but it wouldn't never help or fix the issue ... during the times of changing out my cards they never added back on my fraud protection.after time went by, while going through some physical issues. it wasn't a long time after being charged a lot of fees i was almost at an amount where it was maxed out and there were charges added above the max amount and i told them again this was fraud and they took off the amount that was over and had told me that i need to pay the rest. even though the whole time these cards were getting false charges. and then never got a late payment letter or in any way never got informed of anything. for years my credit was in the XXXX ish amount it wasn't till i was trying to get a XXXX XXXX  XXXX  and when i called up to see why i wasn't approved they keep telling me i was in charge off mode. even though my credit was in the seven hundreds and when i looked up my credit i only would get the two credit company 's and i didn't get XXXX  and then when i looked up my XXXX  credit it said charge off and hit me with a low score. know i didnt know how to fix this or who to talk to. until now. because of how all this was dealt with and handled i'm writing this complaint

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 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am so upside down in a car loan through Santander consumer and my car note is extremely high as well. Im not able to refinance nor trade the car in due to owing so much. They also report incorrect information on my credit report. I have never received any paperwork pertaining to my information I have requested. I had the car going on 4 years and still have 3 or 4 more. Im not sure how this could be possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 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: MS

Complaint narrative:
LexisNexis : I have contacted this company on two occasions because they are reporting incorrect information about a bankruptcy and sharing it with the credit bureues and other third party companies. 
After my first attempt to contact LexisNexis, They wrote me back, stating they verified my information from the courts. I contacted the Federal Court and they stated to me, ''that they do not share personal information or sale personal information to any third party companies. 

My second letter to LexisNexis, I requested that they send me the original documents with my signature on it. LexisNexis has fail to respond to any of my phone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: CA

Complaint narrative:
In XXXX I purchased a cruise from XXXX XXXX XXXX. I paid for the XXXX using my Chase Visa credit card. The total amount was over {$32000.00}. The cruise was canceled by XXXX due to COVID-19. XXXX emailed an offer of either applying the amount paid to a future cruise, or a full refund. I chose the full refund and submitted my refund request on XX/XX/XXXX. This request was acknowledged by XXXX and I was told it would take 30 - 90 days for the refund to be processed by XXXX. As of this date XXXX has not processed our refund. I contacted Chase about one month ago to report this and a Chase " disputes department '' representative told me Chase would issue me a temporary credit in XXXX - 10 days while they contacted XXXX to investigate why they had not yet given me a refund. None of the facts or amounts are in question. I have supplied all supporting documentation to Chase that they have requested. 

Chase has not provided the temporary credit they stated they would provide. Meanwhile, they sent me an email that states the disputed charges are " valid '' and they would return to charging me interest on this amount. What Chase chooses to ignore and/or not to understand is the validity of the original charges were never in dispute, never questioned. I did purchase the cruise using my Chase Visa. The issue was and remains the cruise was canceled by XXXX due to COVID-19, XXXX offered a full refund, and I accepted their refund offer. It is now beyond the 90 days XXXX originally stated they would need to process my refund. XXXX is a Chase merchant. Chase needs to take care of their customer -- - me, and give me a temporary credit as they told me they would do, then deal with why XXXX still has not issued me a refund for a cruise THEY CANCELED.  Instead, all Chase has done is renege on their promise to give me a temporary credit for the amount I paid XXXX, plus they " closed '' my claim after declaring the charges are valid. Of course the charges are valid! The validity of the charges was never the reason I contacted Chase. The issue is that their merchant, XXXX, is holding my money hostage and refuses to issue my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I keep receiving calls at my work and I have repeatedly told them to NOT call me at my work phone. I work in an XXXX  and we can not have personal phone calls I can lose my job for that!

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 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NE

Complaint narrative:
I have sent letters requesting that my homeowners insurance be removed from the payment as I am paying it outside of the mortgage and it never seems to get accomplished, I was sent then an additional form through the mortgage company and I signed it sent it back and it still has not been removed, in fact the company not only took out the annual homeowners insurance but they took out an additional XXXX over and then told me it was an error and I would have to wait for a refund from the insurance company. I then finally got the mortgage company to email me their form to remove the homeowners for the future and adjust my escrow and they assured me that they would and it is now another 9 days later and it still has not been removed and my payment is still with the old escrow amount. I have had 2 supervisors and many customer care people assure me they would take care of it. XXXX was the latest and he promised to call me on XXXX and I have been calling since and leaving voice messages and no one is responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
XXXX ( XXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) Frontline Asset Strategies and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to Frontline Asset Strategies while still sending charged off account to all major credit bureaus. I have sent Frontline Asset a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with Frontline Asset.

Company response to consumer: Closed with explanation