vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peoples Commerce Inc
State: DE

Complaint narrative:
Pennsylvania Attorney General has investigated 130 complaints concerning XXXX  ( peoples commerce ) and XXXX and the president of the dealerships, XXXX XXXX. 

XXXX has a location in XXXX and XXXX has locations in XXXX and XXXX. 

The lawsuit alleges they sold and leased used cars at inflated prices, used deceptive business practices, and sold vehicles that were not roadworthy. 

" I went to turn the heat on and I smell burning and it was just a loud clunking, crashing noise, '' said XXXX. 

Back in XX/XX/2011, XXXX told reporters that she bought a XXXX XXXX XXXX from XXXX and that in 19 months, her vehicle needed about 10 repairs and they cost her {$500.00} out of pocket. 

That's on top of the {$500.00} she put down and the {$240.00} she was paying per month. 

A XXXX vehicle history report shows XXXX 's car was worth about {$2000.00}. 

However her lease with XXXX was going to cost her {$9600.00} and the car was hers only 3 years. 

They also said that they are helping customers with subprime credit who would not be able to purchase a car at other dealerships. 

The former attorney general believed there are other victims of these alleged scams who have not yet filed complaints. 

Well I AM NOW!!! This very same situation happened to me and I returned the car voluntarily to them, 72 % of the balance was already paid and I paid the remaining 18 upon returning the car. 

They have been reporting it as a repossession which is not true because they Have both the car and my money. I want this off of my record considering this organization has proven to be fraudulent In their business practices. 

If they refuse to comply then we will go to the Pennsylvania Attorney Generals office to initiate a new investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
When we purchased our home in XX/XX/XXXX the lending company, XXXX XXXX, qualified us with a payment that only included property taxes on the unimproved land. The tax payment totaled about {$500.00} a year. The actual taxes on the improved land were about {$4500.00} a year. The difference in monthly payments was about {$350.00} per month which would have prevented us from being qualified due to the debt to income clause for FHA loans and also not to mention we could not afford a {$1400.00} payment at the time as we only had budgeted for {$1000.00}. 

Fast forward to XX/XX/XXXX when we received an escrow analysis letter. This stated our escrow account was negative {$4000.00} dollars and we had not been called or notified prior to this letter. The reason it was negative was due to the property tax bill being paid out of that account in XXXX for the proper amount of property taxes with the improved land, about {$4400.00}. The escrow account had been negative for over a year and we had not been notified as well as not seen the balance inside our online account with Pennymac.

I called Pennymac after this to see if there was anything that we could do to mitigate this issue and not end up having to pay a total of {$8000.00} which was combined the negative balance from XXXX and XXXX. The original options they gave me were to pay the total up front, then my mortgage would only rise to {$1300.00} or spread the {$8000.00} balance over 12 monthly payments added to my mortgage, which would have doubled the payment from {$1000.00} to {$2100.00}. We could not afford this. When I called, they offered to extend the {$8000.00} balance from 12 monthly payments to 36 monthly payments which would then put the payment at {$1600.00} per month. 

This is then where we are, with a payment that went up {$650.00} overnight that we can not afford long term. We are burning our savings doing this and working two jobs.  We could possibly lose our house because of predatory lending from XXXX XXXX  and oversight on Pennymac 's side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I received a letter from a debt collection company on XX/XX/2018 demanding payment for a supposed debt, they failed to give thirty days notice of the assignment of the debt to them which is required by Florida debt collection laws. ( As per Florida Statute, Title 33, Chapter 559.715 In order to resolve the debt i sent them an offer of approx 40 %, ( XXXX ), of the amount they claim i owe, ( XXXX ) .They responded with a second letter on XX/XX/2018 stating " they accept my offer of XXXX dollars '' and demanded i pay within 30 days. 

I never offered them XXXX, they are fraudulently claiming so, on top of their violation of florida debt collection laws. 

i have attached all correspondence between myself and this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I did a balance transfer for {$1400.00}, however XXXX ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15 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: CA

Complaint narrative:
Experian Credit Bureau has failed to correct an error in their reporting of a credit card account after the credit card financial institution XXXX XXXX XXXX XXXX XXXX changed the account number of my credit card and reported to Experian to the change. Instead of changing the account number and deleting the old number Experian just dropped the Credit Card account completely. The other 2 credit agencies show the change, but Experian did not and has failed to correct the problem after several months. I believe as a result of their incompetence it caused my FICO score with Experian to drop 40 points less then 2 weeks and damaged my credit options. I have spoken to both Experian and XXXX XXXX XXXX XXXX several times. XXXX XXXX informed me they have requested Experian to correct their error, but Experian continues to fail to do so.

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 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i never received any notice saying I hold {$14.00} after I paid the bill on full. there was no phone or letters. i need your help to removed this collection. thank. that is wrong charge

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 2018-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I paid off the loan, but they were very rude, and they charged me three extra days. I wanted to pay off my loan on Friday XX/XX/2018. And I offered to use my debit/credit bank card, and they refused. I even asked to speak with the supervisor, and he refused. He charged me Saturday, Sunday, and Monday because Banks do not process checks on those days. Other loan companies, gave me my pay off amount for that same day, and they would advise me " the amount would be taken out of your account in two to three days ''. But this Lending Club refused to do that. He said payments have to be confirmed with the bank, I told the supervisor. I am paying off the loan, it is not a payment. The other workers were laughing because I know they also refused to give me the amount for the same day. {$30.00} or {$40.00} dollars it's a difference. But I offered to pay with my debit card, with my name on it coming from the same checking account number they had/have in file. Very unprofessional people, they were unwilling to work and first they said Tuesday XX/XX/18 then they changed it to XX/XX/18.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been complaining about this fraudulent account on my credit all of 2018. I have no knowledge of how my information was obtained in order to put it on my credit reports. I have never applied for services or lines of credit with this company. And never have I given anyone else perimission to do so nor co-signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a telephone call from a collection agency claiming I owed {$5800.00} on a " Care Credit Card. '' I explained I had no such card and questioned what it was and where the charges came from. I was told it was for XXXX XXXX earlier this year at a location in XXXX Florida. I have not been in the state of Florida since XXXX. The collection agency said I should speak to the card issuer, XXXX XXXX. I contacted their fraud department who told me to file a police report and get back to them. I filed a report with my local police department ( XXXX XXXX, NJ ) and sent the report to the Bank 's fraud dept. On XX/XX/XXXX I received a letter from the bank 's fraud dept saying they completed their investigation and instructed the three reporting agencies to remove the fraudulent card from my file and that the process could take up to 6 weeks. In early XXXX I applied for a JC Penney credit card and was denied credit - on inquiring as to the reason, I was told that JC Penney uses XXXX XXXX  and that XXXX XXXX claimed I had a prior unsatisfactory account. I have never at any time had an account at XXXX XXXX. The Synchrony Account # that should have been removed is : : XXXX. When calling Synchrony about this at XXXX they told me their computers did not work and that I would have to call back some other time.

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 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On Saturday, XX/XX/XXXX, I received a letter from Chase in regards to important changes to my credit card account. In this letter, it indicated that my account was reviewed and it was determined that my interest rate would be increased, effective XX/XX/2019 because my APR is " below the lowest APRSs currently offered on similar accounts. '' Since there is a section in the letter that references rejecting the changes, I called to see what my options were. I called the creditor and was told I could either accept the rate increase or close my account. I suspect this has to do with the fact that I changed my account from a non-rewards account to a rewards account and I feel that this could be a way for the creditor to make up for the cash back option or travel rewards option associated with my account. I did some research before filing this claim and I did take note that online, part of the Credit Reform Act is to protect against arbitrary rate increases. And this feels totally arbitrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
Company contacted me XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. Each time I told them that I wont have the money to pay my account until the end of the month when I get paid. I asked them each time not to contact me on my cell phone. They have ignored my request. on XX/XX/XXXX they called me and told me they have every right to call me and I told them not if I repeatedly told you not to. I tried contacting the manager on XX/XX/XXXX stayed on hold for 10 minutes, he never answered my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i am complaining about citibank. i have a citi card that i tried to use at XXXX on XX/XX/18 and i had an issue where my card was declined and when i called to confirm the charges they would not clear the card. i told the rep i was standing in line at XXXX and she said she would send me a letter.. very unprofessional. i spoke with XXXX and XXXX at at XXXX XX/XX/18. when i returned home i called again and verified myself with XXXX id # XXXX   at XXXX XX/XX/18. At that point i wanted to close my account and she said she couldn't. They decline my card thinking its fraud and when i verify myself to cancel they said they couldn't. what kind of unprofessional backward practice is this. i was a victim of identity theft and take this very serious. also they have not alerted me once about the suspected fraud or my calling to cancel, not one call, text or email. I think they need to revisit their security policy protocol. I think they outsource their customer service to other countries, i could barely understand the reps. i want these representatives FIRED for their incompetence and unprofessional behavior. i will take legal action if this is not rectified.

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 2018-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On multiple occasions I have spoken with Navient in regards to my student loans. They kept differing and putting my payments into forebearance instead of giving me other options or helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
helvey and Associates {$320.00} is showing on my credit report as a debt i owe from XXXX  XXXX  but it don't match where i live. the XXXX  XXXX where I've been living since a kid is in my mothers name. This account do not belong to me please remove, i need your help Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have an auto loan with PNC Bank Pennsylvania ( headquarters ). My car note is due every XXXX of the month and I've never missed a payment nor been late. PNC has double standards of accepting payments. I've only personally made one in person checking account payment. The rest were paid by debit card. On XX/XX/2018. I initiated contact thinking this Saturday was in fact the XX/XX/2018 and found out that I was a day late. I have explained to PNC my confusion dilemma in getting the dates mixed up and attempted to make a payment as usual by debit/credit card. PNC declined. I'm making payment from a different card than what's on file and couldn't provide the account and routing # s while on the road and PNC declined to take my card payment as I attempted to make my card payment as I've always done since XX/XX/2018 when I traded in a XXXX  for the XXXX. I filed a complaint, was promised a call back from managers who never returned my calls, went through to escalation managers and they refused to take my card payment. I've made numerous card payments over the phone as I mentioned earlier since I acquired the loan in XX/XX/2018. In fact the only major form of payment I make is by card and somehow they refused to take my card payments while it dwindled on for the next couple of days while I work out my card payment solution. I want to get out of PNC but the loan they gave me according to other banking institutions were bogus and are refusing to buy me out PNC. I have called 8 times to PNC this XX/XX/2018 at XXXX, XXXX, XXXX,, XXXX, XXXX, XXXXand XXXX respectively and XXXX to make a card payment of $ XXXX.++ ; yet no manager called me back and was transferred from department to department in the attempt to resolve my card payment dilemma yet by the end of the day, my payment was not received because PNC refused to take my card payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TX

Complaint narrative:
I am a current XXXX student at XXXX University. All three credit reporting agencies are reporting my student loans as past due. They do not become due until 6 months after graduation in 2020. 
There is also an XXXX report in error. All payments show on time except the last one because the car was traded in at XXXX XXXX in XXXX, Texas. They did not pay off the loan for a clear title for 60 days.

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 2018-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2018 I helped a friend purchase a french bulldog. The seller insisted on using XXXX but my friend couldn't get the money to go through. I offered to use mine through my bank. Collected her money, added the sellers email, who was quickly acknowledged through XXXX. I sent payment and in memo put what and who it was for. The puppy was to arrive today but when the currier called to tell them they needed {$600.00} XXXX giftcard for a proper cage and the buyer was contacted phone was turned off and buyer no longer able to be reached. I called my bank and tried to get them to do something they said nothing could be done. I contacted XXXX 's XXXX # but they said if done using the bank you have to settle issue with the bank. If my bank is going to support a company and not insure the money or protect against fraud like they would do with any other way of me paying for something then they need to help investigate this incident like they would everything else! The person should no longer be allowed to use XXXX pay they need the bank that is allowing them to use XXXX pay to know these people are criminals. I studied for my investment license recently and this seems like something that should not be allowed to go on through our prestigious banking system. I bank with JPMorgan Chase. This is outrageous that nothing is being done by my bank!

Company response to consumer: Closed with explanation