vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
This auto loan was opened on XX/XX/2020 in XXXX, NC with BB & T in my name. I have NEVER been to North Carolina and I have NEVER been a resident. I have filed a dispute twice through my credit bureaus but both times BB & T has claimed that this is an accurate loan. Which I wasn't aware of until today. I have tried to contact BB & T multiple times but I have never gotten through to a live person. I do n't drive and I have never owned a car before. I didn't have any knowledge of this account until I checked XXXXXXXX XXXX  and noticed it. I've tried twice to dispute it. Additionally I never received any bills or information about this account. This is my last resort in trying to remove this fraudulent loan off of 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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has not suspended overdraft fees during the Coronavirus pandemic. Anytime I'm able to get a small deposit in my account, they wind up going just to cover overdraft fees. They've also purposely structured transactions to result in more fees. At a time when my income has been cut by half, Chase continues to charge overdraft fees. Even worse, they will not respond to me. I've been on hold several times for up to three hours to discuss this with them only to have the call disconnected. I've contacted them through their secure message center and I've contacted them through social media. It's unbelievable the way that they're treating people at a time like this. I need them to do the right thing and stop taking advantage of us during a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.

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 2020-04-03 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: OR

Complaint narrative:
I have repeatedly requested that extra payments I make on my loans go toward a specific loan and that I do not want extra payments to put me in " paid ahead '' status. 

I have asked via electronic message on their website ( three times, the first of which was in XX/XX/XXXX ), via phone ( twice, first time in XXXX or XX/XX/XXXX ), and letter via USPS ( twice, first time in XX/XX/XXXX ( I can only find a copy of the first letter, which is attached ). I never received any kind of response or confirmation to my electronic or USPS letters. On the phone, I was repeatedly given the run around ( the first call the person told me that she could not - as in, had no ability to - make any kind of notation on my account about extra payments ) ; on the second call, I was initially told the same thing, and also told that I shouldn't worry about it because ( a ) they would take care of extra payments in a way that was in my best interest, and ( b ) I could always, supposedly, have them retroactively redirect a payment if I was unhappy with how it was applied. By the end of that call, I believe, but am not positive, that the call taker confirmed that there was some kind of notation on my account instructing how to apply extra payments. 

This seemed to be working for a while, and my extra payments were finally going toward principle on the loan that I had specified. Two months ago, my payments were all the sudden being once again misapplied, and instead of going to principle I am now in the ( utterly deceptive ) " paid ahead '' status that I have specifically and repeatedly told them not to place me in. 

I truly can not believe how transparently fraudulent this loan provider is, and I do not know what to do at this point. Paying off my loans is incredibly stressful, and I do not have the time or the emotional energy to waste hours upon hours trying to force them to simply follow the clear instructions that I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Somewhere in mid XXXX ( cant remember the specific date ) {$0.00} So I had couple items returned and got a refund back into Citibank credit card. 
At that time, I had other card as a primary use so often forgot to use the credit I had on Citibank card. 
Slowly but surely I used most of the refunded amount on credit card but had left {$0.00}. 
I was sure that I am going to use it because it was my money that I already paid off to Citibank. But when I checked after my long trip, the money was gone. The balance was XXXX. 
I called Citibank customer service and asked the representative to explain why it happened. She said that if I dont use refund in 3months without a claim, they remove the money from my account because of inactivity. But I was using my card ( definitely a sign of activity ) and I didnt see anywhere saying that making a claim was part of protecting my money from the bank. I kept asked her who keeps the money after they put it aside, she was a bit hesitant to admit that it goes to Citibanks account. But I was persistent to hear that from her and she finally admitted that Citibank keeps the money after few minutes of going back and forth. And she got tired of me asking same question ( for me to comprehend why and how it happened ), she said, with her agitated voice, if I want my {$0.00} back to my credit card. 

I think the principle here is wrong to take peoples money without any notification or our acknowledgment that the credit card company has a right to take the money away, simply because it was claimed before 3months. The amount I lost is insignificant so I didnt think it should be a big deal but think of elderly or younger people who arent experienced with credit cards. Some people might feel lost or used and dont know where to ask for help or how to get their money back. 
Let me know if theres any policy indicating about non-claim money or requirement to claim on refund before 3months from the day of refund. 

Any information would be greatly appreciated.

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 2020-04-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, I am currently on hold now for close to an hour with the U.S. Bank Reliacard company that my Covid-19 unemployment compensation has provided. On Tuesday XX/XX/XXXX I purchased groceries online for pick up, first time ever doing so, through my local XXXX, who utilizes I believe XXXX XXXX  and the grocery bill was for {$170.00}, however, I was charged {$190.00} from my Reliacard? That is roughly {$17.00} charged from my account. My unemployment compensation is not that much and have a household to run. 10 % fee is an absurd amount to charge, any fee is unacceptable, especially at these unprecedented times and times that we are asked, no required, to maintain distance from population as much as possible. ( Still on hold by the way, so over an hour ) I should hope this request does not go unheard. 
Thank you for your 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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I received a letter in the mail from an attorney 's office in an attempt to collect on a debt owed to XXXX XXXX. I sent the attorney 's office a letter requesting debt validation. The attorney sent back a letter stating that they were no longer going to collect on the debt and would send it back to the original creditor. A few weeks later I received a letter from a debt collector ( State Collection ) attempting to collect on that same debt. I again sent them a debt validation letter ( XX/XX/20 and XXXX ) via certified mail. I have also sent letters to the credit bureaus and haven't received the requested information from the collection agency or the credit bureaus. I reached out to XXXX to obtain information about the bill and they directed me to State Collection Agency. I have no knowledge of this bill and it is listed on my credit report causing my score to drop drastically. I would like it to removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently started to look into my credit back in XXXX, and saw a lot of inaccurate information being reported to all three credit bureaus for two separate accounts, I requested for items to be deleted due to the FCRA laws, the two accounts came back verified, but without any proof? At this point with all these inaccuracies I just want the accounts removed from my credit I am willing to to settle both these accounts for them to be deleted off my reports since they are negatively effecting me more than they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In the wake of the Covid-19 pandameic I lost income as I am in XXXX. I was trying to contact my mortgage service to see if they would give me a deferment on a payment or two being that they accepted to bail out money from the stimulus pkg passed by congress. the company instead the company is misusing government bailout funds and is offering only a forbearance which means I have to pay all three months plus the current month once the forbarance is up. This is misusing my tax payer dollars and taking advantage of the of the law. I ask that the company be held accountable for this massive misuse of our government and mistreatment of the people they are there to serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: LA

Complaint narrative:
I have filed three credit disputes with Experian in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. Experian responded to my last request. The response letter was dated XX/XX/2020. On page 2, Experian admitted in using a third party to " verify '' this information and did not provide me with the original documentation on file with their. Page 2 stated, " This section includes public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX '' I am requesting that this company promptly delete this negative information from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IA

Complaint narrative:
I have disputed both of the Columbia debt recovery accounts opened by XXXX XXXX XXXX  and no one is looking into my disputes fully. I was a minor of XXXX  years of age when lease was signed and my father was the renter this debt should not be mine. XXXX  has done nothing to request the proof this collection agency has to back up their statement of being valid debt. I need someone to thoroughly look over my documents I certified mailed in early XX/XX/2020 and do a proper investigation. If this is not done in a timely manor I will be getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: TX

Complaint narrative:
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
769.62 % {$4700.00} {$700.00} {$5400.00} Your Payment Schedule will be : Number of Payments Payment Due Payment Date {$160.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX Called in to try to pay the loan early and they didn't let me. They mentioned that I'd have to pay the whole interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I have been working with GM Financial over the tax bill for my leased ( now purchased XXXX vehicle for taxes incurred in XXXX. I did not receive any notification or paper work in regards to this bill from GM Financial and all of a sudden had debt collectors calling my phone. I responded immediately and spoke with representatives on XX/XX/XXXX and they promised to send the requested paperwork along with all tax forms dating back from the start of the lease. To date I have not received the promised paperwork and received another call from the debt collection agency today. I promptly returned there call and advised I still have not received the required paperwork of proof to pay this bill. I was advised they may not be able to now send me the paperwork and was also unwilling to keep the account on hold even though they could not fulfill there obligation. Due to there negligence and uncooperative nature I will be subjected to my credit being affected. This is an immoral injustice and as a tax paying citizen I have a right to see every tax related bill I have paid and will pay. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Kashable LLC
State: FL

Complaint narrative:
In XXXX of XXXX I had taken out a loan with Kashable Account # XXXX in the amount of {$2500.00} which was to repaid via payroll deductions. This was a service that was offered to XXXX XXXX. The installment payments were to be in the amount of {$120.00} a pay period ( bi-weekly ). However, in XXXX of XXXX I became sick with XXXX XXXX and had to take an early retirement form XXXX XXXX. As a result of my illness I was not able to make my payments and was not able to contact Kashable until XX/XX/XXXX. At this time I offered to pay Kashable {$50.00} per month until the loan was paid off. This payback offer was accepted and a new agreement was signed for this payment plan. The first payment was due on XX/XX/XXXX ( Direct Payment ) and since that date I have not missed a payment. 

The problem is that Kashable has consistently show me 30 days late each and every month causing my credit score to be affected. I have tried to have the credit reporting agencies attempt to get this corrected but I have had no luck. I have also contacted Kashable directly and they have stated that although we have a new payment plan I am still late in making the original loan payment. I have a signed new payback agreement from Kashable accepting the new payment plan and have lived up to my end. 

I have contacted other companies that I owed and they worked with me to reduce my payments and adjust my credit. Kashable should at least reflect my account to show " Paid as Agreed ''. This has had a very negative impact on my credit score and needs to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
It's seems that, I'm getting unfair credit decisions based on info that's provided by EQUIFAX. I've worked hard to try and rebuild my credit, but it seems that they keep providing lenders with derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX we paid XXXX XXXX for a credit card collection which the originator was XXXX XXXX Bank. XXXX XXXX reported it on XX/XX/XXXX as paid and settled and it was suppose to be removed as settled. We sent a letter stating it was to be removed to Experian for a rescore and they refused to take it and opened up a dispute on our account and said they could not update until XXXX XXXX sent it to them. Experian representatives- 6 people refused to call XXXX XXXXr to update it and I emailed the COO XXXX XXXX that his people refused to call XXXX XXXX to update for us. 
XXXX XXXX states they get calls all the time and they even took our permission to put Experian on the account and they still refused. We are in a National Crisis and these people are not willing to help anyone. 

The amount of the settlement was less than the balance, that is not the issue. It is Experian refuses to help anyone correct their credit report during a mortgage loan situation.

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 2020-04-03 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: LA

Complaint narrative:
attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

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 2020-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Tried over one week to reach company about letter they sent to me. I had the company on hold as I was in midst of sending this complaint, however, someone finally answered the phone for customer service at Freedom Mortgage.

Due to the " virus '', all employees are working from home. My complaint was a serious matter and everything is settled { for now }, so I will end this complaint. 

Thank you, CFPB, I do appreciate you being here for us, it gives an individual peace of mind knowing you work as a voice to the consumer. I have come to you before with a different mortgage company and their shenanigans ; after hearing from you, matters were corrected!!!! Thank you again, 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