vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NE

Complaint narrative:
My name is XXXX XXXX and I am from XXXX XXXX. I graduated from XXXX  University XXXX XXXX XXXX in XXXX. I promptly consolidated my federal student loan and refinanced with another company. The refinance company XXXX overpaid FedLoan Servicing. 
The problem lies in that FedLoan servicing owes me {$6300.00} and is refusing to reimburse me in a timely manner. This was in late XXXX. 

As of XX/XX/XXXX, there has been little action taken since then. FedLoan said they were sending a check but there never has been a check from them. Just excuses and platitudes. I should be reimbursed in a timely fashion with penalties and interest. They expect others to pay on time and would be livid if someone was overdue XXXX {$6300.00} for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
This account was opened originally in 2014 with an ex wife who used my sole information. The company prior to Mariner finance buying them out was Pioneer Credit. This account has haunted my credit for well over the 7 year mark with countless threats about legal action and or jail time. I was never aware of the loan in hand and have attempted to settle this multiple times. Please delete from my credit report, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase retail bank customer who has used the XXXX online payment feature for several years. This feature was arbitrarily removed from my account on XX/XX/2021. 

Explanation provided : We deleted the following contact options from your XXXX profile because you haven't received money using them in the past 12 months, and we didn't get the requested reverification from you within 30 days. 

Yes, I have never RECEIVED money via XXXX. I used it to SEND money. Chase has, apparently, decided to offer a service with the word pay in it, yet has restricted/removed/conditioned it because I do not receive funds via this method. This limitation is a non-sensical one-way street, leaving customers like myself with the distinct impression that Chase uses their dictatorial powers to mislead and inconvenience good customers without any justification whatsoever. This is exactly the type of unchecked abusive action by a major bank that needs to be the focus of regulatory change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra violations remove : Also known as XXXX, XXXX XXXX, XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy filing Original filing date : XX/XX/XXXX Latest status date : Account Info Reference Number XXXX Court U.S. Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
My mortgage was transferred to NewRez LLC on XX/XX/XXXX. Around XX/XX/XXXX I received a letter confirming the terms, balance, etc of the remaining mortgage. In this form I noted a {$25.00} Fee. I contacted New Rez, spoke to XXXX on XX/XX/XXXX. She advised it was for NSF from the previous mortgaging company, XXXX. She could not provide me with any additional information such as date and details. I advise XXXX I disputed this fee as I have never been notified of such a charge or problem. I sent a letter dated XX/XX/XXXX, stating this fee was disputed and I did not intend to pay it and to advise when corrected. On XX/XX/XXXX, I received a form letter stating they were " working on it ''. On XX/XX/XXXX ( 4 months later ), I wrote to NewRez and advised that I was considering this cleared as they had not responded to my XX/XX/XXXX letter. On XX/XX/XXXX, I received a letter saying they were " working on it. '' On XX/XX/XXXX, I received another letter that they were " working on it '' and on XX/XX/XXXX, received a letter stating " a payment may have been returned... '' for 1 of 15 reasons and therefore they were not correcting this charge. NewRez did NOT provide me with the date of this charge or the specifics. And telling me it might be 1 of 15 reasons is insufficient in itself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
So, I NEVER knew that my monthly payment was {$490.00} until this XX/XX/2020 payment that was reported late, based on my contract with XXXX my bi-weekly payments are {$220.00}, based on the number of payments due and the amount of money I have payed this company up until XX/XX/2020, I was in belief that I was ahead and the micro payments were maintaining my account. This contract is set up for the listed monthly payments to never be made in full on a monthly basis, its structured to fail its customers, to fulfill the listed monthly payment amount my biweekly payments should have been {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMERICAN EXPRESS FALSE DEBT REPORT TO CONSUMER REPORTING AGENCIES 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- Amex learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address.

2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt.

3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other m=than me, the signor. This would only be valid if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking American Express to produce such agreement will be impossible to produce since it does not exist.

4. When I asked American Express to validate the debt, they sent me a letters on a grey scale sheet which suggests to me the letter was doctored with the wrong date since the card was issued in 2014and not in 2016 as suggested by their letters. American Express assumes that I do not understand the law and their bogus letter mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless Amex senior management knows what is going on or not does not matter since these employees are the face of Amex and whatever they do bind Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account XXXX Date openedDec XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX TRANSUNION : XXXX Account XXXX XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX 2020

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 2021-04-13 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: PA

Complaint narrative:
This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX EQUIFAX : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account numberXXXX Date openedXXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: OH

Complaint narrative:
I purchased a vehicle from XXXX XXXX of XXXX located at XXXX XXXX XXXX, XXXX, MD, XXXX on XX/XX/XXXX. The purchase was in cash. However the dealer performed a hard credit inquiry without my permission and without legitimate business purpose. The dealer said they would submit a letter to Credco  to get the hard inquiry removed however to date it has not happened. I contacted Credoco as well as XXXX and they have been unhelpful thus far.

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 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I just got off with a rep from Transunion and verified who i am. they did not know why i had to even do that. they said you received my dispute request and its in progress what the XXXX is going on over there. 
you close my first complain saying need auth and your rep didnt understand why. This investigation is taking to long. Below is my initial complaint and attached is the items i have sent for my dispute to be completed I am submitting this complaint due to no communication regarding a status on a investigation. I wrote Transunion on XX/XX/2021 reporting 4 inaccurate items on my credit report. I provided everything they need for a investigation and again I am supplying it her in this complaint. I sent another letter on XX/XX/2021 to see if I can get a response in writing. We are now 45 days since my first complaint and still nothing. Again, it's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report. This is a clear violation of the FCRA.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Credit Card Product : XXXX XXXX XXXX. 

First Issue : This card has a " Round Up '' Program where they will round up your purchases to the nearest dollar, add to your account balance, and send that extra " rounded up '' amount to your XXXX  account. The terms explicitly state that there will be no interest charged on the rounded up amount. However, if I made {$500.00} of purchases, and had {$200.00} rounded up ( for a total balance of {$700.00} ), if I paid the {$500.00}, the credit card would still charge me interest! 

Second Issue : They previously had a program where you would get a 15 % bonus on all your rounded up amount. I made purchases on this card relying on this 15 % bonus. I got a notification at the end of XXXX that starting XX/XX/XXXX, they would be discontinuing the 15 % bonus. When I checked my latest statement ( ending XX/XX/XXXX XXXX, I did not receive the 15 % bonus for any of my purchases in XXXX. It was a change to the rewards program that was retroactive and without notice!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I was in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX to trade in my old truck for a new one, I had a language barrier with the finance person he said I can have the new truck with no money down, so he made the paperwork in the contract does not said how he got the down payment about 30 days later I received an statement of a credit card under my name given by XXXX , I never authorized that credit car and never spent any balance. so when I went to XXXX to ask them why they did that they took XXXX for down payment and never disclose that to me the Finance person refuse to talk to me. 
I don't know what to do, I fell abuse, mislead it. and I am not making payments on that credit card to me is a fraud and abuse I need to solve this matter cause I am not agreed to any credit card. and I can not make any more payments other than the truck and on top of that the finance is very high Can you please help me so XXXX do not keep doing the same to others they are responsible to explain what they do with the clients. they can not hide down payment they are forcing customers to get what they wants not the consumers I am terrible disappointed at XXXX. I was told to talk to the media about this abuse, but I want to see if we can solve this issue and stop the waste of money and time I only speak XXXX can you have some one to talk to me in XXXX  please XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHWEST FUNDING, LP
State: TX

Complaint narrative:
The lending agency gave there word and said they could get the deal done. I went above and beyond over 90 days to increase my credit, pay off all debt and have the available funds for down payment. They decided 3 weeks before closing that they couldnt do the loan and admitted they never even submitted my information to the underwriter. I am already living in the home as the sellers agreed on a 90 day lease back and I now have 3 weeks to move out and try find a rental home. I have already put {$15000.00} into the house plus 3 months of rent going off the lending agency saying I was approved and the deal would be done. What a complete waste.

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 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation
State: PA

Complaint narrative:
First I DID NOT RECEIVE A WELCOMING LETTER FROM CONCORD! Inform delivery shows that the Concord letter was on Saturday, XX/XX/XXXX, was NEVER DELIVERED TO ME!! 
I barely receive mail through the USPS ; my neighborhood DOES NOT HAVE a regular postal person so I signed up for USPS INFORMED DELIVERY so I could see when any mail was coming. This is why I pay EVERYTHING ONLINE, because I do not get my mail timely. 

Mailing my payments could get lost, misplaced be considered late and ruin my credit which is excellent. I haven't mail a letter in almost a year and a 1/2 ; because of the poor service from USPS. 

I'm a senior on a fixed income and emergencies do happen such as the sewer backup then 3 days later the waterheater went out. I DO NOT WANT AUTOMATIC PAYMENTS WITHDRAWN FROM MY ACCOUNT BECAUSE XXXX HAPPENS THEN I HAVE CHECKS BOUNCING. 
I have applied for a loan so I may pay off Concord in full, because your company has caused me XXXX already. Also I mailed my payment on XX/XX/XXXX let 's see how timely it gets there! I had to wait in line at the post office with the Covid virus!!

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