vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I have received 2 letters from this company threatening to sue me. They are sending fake letters to look like court documents. They are also contacting me at work and calling friends. They do not tell you what the debt is. After reviewing the company online it looks as if this is their scare tacit to try in collect money they can not provide proof they own this debt if in fact there is debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
On XX/XX/ I submitted an online bill payment to XXXX XXXX XXXX XXXX in the amount of {$400.00} from my Navy Federal account, just I had done many time previously. I selected their Rush Delivery option since I was a few days away from my due date. 
After few days, I was contacted by XXXX and they informed me that they had not received my payment. I immediately followed up with NFCU and was told that they would investigate, since from their end, the payment was showing that it was sent. 
My first contact with NFCU was on XX/XX/ through their online message center. I have since spoken with them by phone on 7-8 occasions and once in person at the branch, in addition to numerous communication via the online message center. 
I have been referred to XXXX XXXX, have been told to contact XXXX  and ask to be patient, all of which I have done. XXXX stated they have no record of the payment being processed, although past payments have made it successfully. 
In ever case where I spoke with NFCU I was told that they would contact me in XXXX hours and to date I have not received one phone  call from them, I have had to initiate every communication. 
My last conversation with them was yesterday afternoon, XX/XX/XXXX and was once again told that the issue was being escalated and they would contact me when there was a resolution. I told them that I wanted a phone call before the end of the day and the money deposited back to my account, or applied to my car loan at XXXX   before the end of the day. They stated that they would call one way or the other. 
I did not receive a phone call, but instead a generic message in the online message center with the same verbiage as the other 10 messages that have not resulted in any resolution. 
I am requesting that an investigation be opened into the deceptive and illegal practices of NFCU, my money be returned to me ( {$400.00} ) along with {$65.00} in late fees that I have incurred, and the {$5.00} fee that they charged me to send the payment " Rush Delivery ''. 

I would also like to know what remedy I have for the countless hours that I have spent tracking down a what has happened to my money that I entrusted NFCU with, and which I no longer have, nor does my the company that was attempting t pay. 

I can be reached by phone at ( XXXX ) XXXX Email - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I was charge XXXX NSF by Chase to my checking account, for XXXX purchases that were pending for a few days but posted that day. 

I dont have overdraft protection on my checking account. The XXXX transactions associated with the NSF was a POS transaction, recurring payment, and an online e-check payment, and all were made when the account had a positive balance. 

One online payment, which should have been denied due to not having overdraft protection, was requested on XX/XX/XXXX and posted on XX/XX/XXXX to the account which caused the account to go negative. Coincidentally, all XXXX transactions that were pending decided to post that day too. All XXXX transaction then resulted in a NSF. 

Why is it setup this way? Why didnt chase have that transactions in limbo for a few days, like it did the others? Why did it backcharge me, but for NSF when at the time of the purchase the account balance was sufficient? 

The method in which system employs to post transactions favors fees and overrides not having overdraft protection, as the online payment should have been denied or posted last, since it was the last transaction made. However, it was posted first causing me to owe {$100.00} in NSF under false conditions set up to defraud me. 

Im making this complaint in efforts to regain my money and for it to be the record the method chase uses to take money from their customers. 

Timeline of transactions : XX/XX/XXXX : - {$75.00}. e-check payment XX/XX/XXXX : - {$10.00} recurring gym payment XX/XX/XXXX : - {$13.00} POS debit XX/XX/XXXX : - {$82.00} online payment Chase then decides to go back to the future and charge me fees for transactions that were made when the account had a positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment. 

However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again. 

I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: MT

Complaint narrative:
I am in the Public Service Loan Forgiveness Program. My loan payments are calculated at the lowest payment based on my income. I also attend school. I have submitted waivers for each loan sequence where a waiver is possible. My loans should always be in repayment. My student loans are serviced by XXXX XXXX XXXX. Each year this problem occurs and I spend hundreds of hours of my time fixing the problem. 

Recently, XXXX University updated my status with XXXX XXXX XXXX as in-school. Somebody at XXXX  XXXX messed up my deferment dates and wiped out years of qualifying PSLF payments. I have called and called and called and I need your help. XXXX XXXX XXXX will not fix the problem. I need my loans all put back into repayment, the lowest IBR payment reapplied, my qualifying XXXX payments from XX/XX/15 to present reapplied to my account, and a note put on my account telling the people who work at XXXX  XXXX XXXX to leave it all alone going forward. 

I just want to make my IBR payment, I want my qualifying payments put back on my account, and I want XXXX XXXX XXXX to leave my account alone. Their mistakes end me up in this situation every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help

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 2018-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of credit fraud. I have requested under FDRC act to obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help

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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our home mortgage was sold to Wells Fargo. We currently have a 65 % - 75 % equity position in our home. Under our original lender, we had voluntarily escrowed for taxes and insurance. The Impound Authorization indicated it was a voluntary escrow that was not required by the lender and indicated no time frame exception for discontinuing the escrow. We contacted Wells Fargo to stop the escrow account. They sent us back a letter stating that we were required to continue escrow for 24 months from our closing. We called Wells Fargo Home Mortgage to inquire about this " requirement '' since there was nothing in our loan documents to this end. After getting to a supervisor, we were told that the investor required that we escrow until 24 months of payments have been made without being late or any other issue. Once again, I asked where this was in our loan documents and referred them to look at the Impound Authorization that clearly showed the escrow was voluntary and not required. The supervisor said that due to the investor requirement that they would not be able to stop escrow. I requested a letter that stated this position. He said that he would " request '' a letter but could not promise anything. He also stated that he could request an exception. We aren't requesting an exception. We are requesting that our loan documents be followed.

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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
LOAN ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX THIS LETTER IS TO SUMMARIZE WHY YOU RECEIVED OUR PAYMENT LATE. I HAD MAILED OUT THE PAYMENT ON XX/XX/XXXX. WHEN MY WIFE WENT TO RECONCILE OUR ACCOUNT SHE REALIZED THAT THE MORTGAGE MONEY WAS STILL IN OUR ACCOUNT. THAT IS WHEN SHE CALLED TO SEE IF SHELLPOINT HAD RECEIVED THE PAYMENT. THIS WAS ON THE XXXX OF XXXX. SHE CALLED THE BANK TO SEE IF THEY HAD ANY RECORD OF THE CHECK BEING CASHED. THEY DID NOT. SHE RECEIVED OUR MAIL AND SAW THAT THE CHECK HAD COME BACK IN THE MAIL DUE TO MY ERROR I FORGOT TO PUT THE CORRECT POSTAGE ON IT. SO SHE CALLED XXXX IMMEDIATELY AND MADE THE PAYMENT OVER THE PHONE. THEY INFORMED HER THAT THEY HAD TRIED CALLING TO LET US KNOW THAT THE PAYMENT HAD NOT BEEN RECEIVED. SHE ASKED WHAT NUMBER THEY HAD ON FILE AND THEY TOLD HER XXXX. SHE KNEW THAT YOU HAD THE WRONG NUMBER BECAUSE SHE HAD CHANGED IT WITH SHELLPOINT 6 MONTHS AGO. SO HAD SHELLPOINT CORRECTLY CHANGED THE NUMBER WE WOULD HAVE BEEN INFORMED BY THE XXXX THAT THE PAYMENT HAD NOT BEEN RECEIVED AND THIS WOULD HAVE BEEN HANDLED WITHOUT IT BEING REPORTED AS A 30 DAY LATE TO THE CREDIT BUREAU. 

SO IN FACT IT IS AN ERROR ON YOUR PART THAT ONE OF YOUR EMPLOYEES HAD NOT TAKEN THAT CORRECT MEASURES TO CHANGE OUR INFORMATION ON OUR ACCOUNT. IT IS BECAUSE OF THIS THAT I AM ASKING YOU TO PLEASE REACH OUT TO THE CREDIT BUREAU AND REVERSE THE LATE REPORTING. WE WOULD NEVER HAVE LET THIS GET PAID A MONTH LATE. 

On top of all of this we received a letter from the Dept of Taxation and finance on Saturday XX/XX/XXXX that part of our property tax has not been paid since XXXX and they put a 90 day lien on our house. This was supposed to be paid by Shellpoint. Also in XXXX, XXXX and XX/XX/XXXXthey did not pay our homeowners insurance causing us to pay it ourselves when they were going to cancel it. Then in 2016 the issue we thought was resolved with Shellpoint and they lapsed our insurance once again causing us to not be able to get homeowners insurance with XXXX again a company I have been with since XXXX. We then bundled our insurance with XXXX, and they did not pay that as well. The only insurance company that would insure us was XXXX XXXX PLEASE HELP US TO KEEP OUR CREDIT IN GOOD STANDING.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: AL

Complaint narrative:
MY NAME IS XXXX XXXX XX/XX/XXXX I PAID OFF LOAN # XXXX WITH XXXX XXXX. I OPENED IT UP XX/XX/XXXX. I HAVE PAID BI WEEKLY PAYMENTS OF XXXX WITH XXXX XXXX STARTING ON XX/XX/XXXX. WHEN PAYING LOAN OFF I OWED MORE THAN I BORROWED ALL MONEY WAS GOING TO UP FRONT INTEREST AND FEES. MY PAY OFF WAS XXXX. AND I WAS TOLD THAT THE LOAN CHARGED {$17.00} PER DAY FROM YOUR LAST PAYMENT TO YOUR NEW PAY DATE ( EXAMPLE XX/XX/XXXX TO XX/XX/XXXX ) I ONLY BORROWED XXXX AND PAID THEM {$2600.00} IN PAYMENTS AND STILL HAD TO PAY {$2300.00}. 
PLEASE HELP ME WITH THIS ISSUE AND UNFAIR CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
I had a first mortgage loan with Home Financing Center in XXXX XXXX Florida which I paid off with a refi from another institution. The closing with the other institution took place on XX/XX/XXXX and Home Financing Center received the payoff on XX/XX/XXXX. I had approximately XXXX in escrow with Home Financing Center and they have not returned those funds to me or to the other institution. I have emailed them, I have called them and approximately a month later they have not returned my funds. This is unacceptable and can not be allowed to happen. 

XXXX XXXX loan number 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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Social Finance, Inc.
State: OH

Complaint narrative:
XXXX turnedmy account over to XXXX. I settled my account with XXXX  for XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TN

Complaint narrative:
Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hi i sent letters with the past three month to all three credit bureaus and have not got back any response.

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/ I went onto the XXXX 's website to manage my account. I entered a new payment source as I closed my previous checking account do to a merchant 's unauthorized charges. The new payment source included the new routing and account number. I then set-up a {$200.00} payment for a bill that required only a {$27.00} payment. The payment confirmed with reference # XXXX. At the conclusion of the transaction a message came up on, " We will verify this account and process the payment ''. That is not what occurred, instead, XXXX XXXX attempted to take the payment from the closed checking account. As a result, XXXX 's reversed the payment and charged me two ( 2 ) {$27.00} charges. One was for a late fee, and the other was for a returned check charge. I was also charged {$8.00} in interest which should not have been assessed. I received a call late the evening of XX/XX/ from XXXX XXXX indicating my payment was late. After he reviewed the history, he agreed this was their error and was supposed to reverse the fees and interest. Additionally, he reprocessed the {$200.00} payment under the correct account. Currently, XXXX XXXX has only refunded one ( 1 ) {$27.00} fee. I have not been credited the {$27.00} fee or the {$8.00} in interest that was charged. I have talked to several XXXX 's credit employees about this situation and was even told the correct {$200.00} payment is floating and has not been processed. My bank confirmed XXXX XXXX has not processed it through my account. This entire situation was the fault of XXXX 's not mine. The representatives are uneducated and unskilled, passing me others, On XX/XX/, I was left on hold and ended up on the phone with an hour trying to get this resolved. It still is not.

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 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: FL

Complaint narrative:
I am being overcharged by my bank for overdraft fees. Key Bank is the culprit. Unfortunately over the past year I've had several occurances of overdraft fees some where my fault while others where not. This month on XX/XX/XXXX I had XXXX paid for my phone bill which caused an overdraft fee of XXXX XXXX Then today XX/XX/XXXX I had another bill come out for XXXX and was charged not only another overdraft fee if XXXX $ plus a fee of XXXX $ for a recurring overdraft. That's XXXX $ in fees on bills totalling XXXX $!! These fees are not only predatory and excessive but should be illegal. If these fees are allowed by current banking regulations this has to stop! Seven months ago in XXXX I was charged XXXX $ for an XXXX cents overdraft! My bank has the discretion to either pay these bills or not. When they know my direct deposit history they know they'll get their money.

Company response to consumer: Closed with monetary relief