vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 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: AES/PHEAA
State: CA

Complaint narrative:
While selecting options in the prior pages there were not choices which apply exactly to my situation!? 
I have a dispute with FedLoan Servicing for reporting me " 90 Days Late '' on TEN accounts without contacting or attempting to contact me in any way. 
I have 10 School Loans on my name for my son 's college education. He graduated 3 years ago and has been struggling with drug addiction. The loans ( mine and his ) were placed on " forbearance '' status since his graduation. In XXXX, XXXX, FedLoan Serv. sent me an email notifying me to log on, and extend the " forbearance '' status of my loans, based on mine and my son 's being unemployed, and I having to care for my elder mother. 
This was the last communication I received from FedLoans! 
In XXXX of XXXX my son was committed to a Clinic for XXXX in XXXX, where he presently is. Since then the family attention and resources have been devoted to his treatment. Prior to him checking into the facility, he assured me that the loans are in " forbearance '' mode. 
In XXXX, XXXX, I incidentally discovered that FedLoans have had me reported " 90 days late '' on all 10 accounts to the Credit Bureaus .They told me they SENT ME A TEXT on XX/XX/XXXX. I verified with T-Mobile that this is not true. When confronted with the fact, on XX/XX/XXXX, they ( XXXX ) stated " ..still, it is a correct reporting ''. They claim to have sent emails to my son 's ( he has not have internet access since XX/XX/XXXX ) email, being the 'primary ' in the account, while mine is 'secondary '. I am residing, since XXXX, at the only address they have on file. The phone number they have on file for me, I have had for 15 years. 
Please, let me know if I can help with an additional information. 
Thank you. 

XXXX XXXX. 
PS : FedLoan Services did offer, and provided me with a letter/statement that I am, and have been current on all accounts, BESIDES the 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America asked me to show ownership of the funds by providing a notarize letter from the sender and a notarize letter from the bank of the sender., I submitted both letters and bank of America still refuses to release MY MONEY.

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 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX was taken from my account and sent to another PayPal account who is a fraud/scammer. The person gets your money then closes the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a Home Equity Line of Credit with Citizensbank. Prior to XX/XX/2019, I was able to transfer funds from the HELOC to my checking account at Citizensbank as needed and transfer funds back to HELOC to pay down the principal at any time. The interest payments on my HELOC are auto-debited from my checking account on the XXXX of every month. On XX/XX/XXXX ( 23 days prior to my interest payment of {$71.00} being due ), there was only one online option to transfer funds to HELOC when transferred funds to bring my outstanding balance outstanding to XXXX. My account online reflected this. 
On XX/XX/XXXX, while online, I noticed that my HELOC showed a balance of the amount of the interest outstanding ( interest that was still not due until the XXXX of the month ). 
I called the bank and they indicated that 1 ) they had changed the online interface and any payment will be applied to any outstanding interest first - then principal and 2 ) the only way to have a payment applied to Principal only was to call the bank. I was never notified of this change by the bank. This is deceptive and predatory tactic by Citizensbank - as interest calculations on these accounts are based on daily balances - so this change ensures that the bank essentially earns interest on interest that they have received earlier than it is due! Please help! This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ACCESS GROUP INC.
State: OH

Complaint narrative:
My private student loan is serviced by Access Group. 
Me and my wife declared bankruptcy due to medical debt. 
During the bankruptcy I was told the student loans did not need to be repaid until after the bankruptcy was final. This was true for my Federal loans, but not true for this private loan. 
I had made arrangements with the debt collections agency XXXX XXXX to pay {$200.00} per month to settle the debt. The last payment I sent to XXXX XXXX was on XX/XX/2019 for {$200.00}. XXXX XXXX said they would no longer accept my payments and I then had to pay Access Group Directly. I paid Access Group {$200.00} on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
On XX/XX/2019 I began receiving harassing phone calls from another collection agency XXXX XXXX XXXX. They said that my account was in collections and that I needed to pay the full amount, less than {$2100.00}. I told them that I had been repaying {$200.00} a month to another collection agency and then to Access Group directly. They did not have this information and could not confirm that I had ever paid on the loan. 
I called Access group where they were very rude almost unable to answer simple questions about my account like how much I owed and what the last payment was. They confirmed that the account was sent out to a collection agency due to an internal financial decision that was made. The representative I talked to was not able to share with me more than 1 previous payment history without a written request. The representative also said that my current balance due is over {$2400.00}. 
I have not received any mail or documents to notify me that my account is being serviced by a debt collector or that Access group will no longer accept my payments directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I have sent several notices in regards to getting information to verify debt. Signed signature, contract thats dated, u have not received any of the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capitol One card was stolen and an unknown person used it. I reported the charges to Capitol One and they sent me a new card. They credited the interest charges only and have not credited the transactions. This is harming my credit. I was a victim. The charges caused my credit to suffer and now I am waiting to apply for employment but can not because of my credit score being low when it was not before the fraud. By their own policy I am not responsible. Why aren't they crediting my card to reflect the true balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion XX/XX/XXXX XXXX email response to CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX ISSUE Incorrect information on your report, states : After reviewing your complaint, we are unable to process your request because we were unable to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. Please be advised, in the complaint you stated there were attachments ; however, there were none provided. 
Attachments have been repeatedly provided to CFPB and XXXX for the last 8 months. Result : resolution avoidance and still no effortless or otherwise means for temporary credit freeze lift. The XX/XX/XXXX CFPB entry apparently had an IT issue ( glitch ) and did not allow attachments. There were 3 attempts to attach. In addition to XXXX were XX/XX/XXXX XXXX and XXXX attempted attachments. To hopefully immediately rectify each of the 37 issues a copy of this XX/XX/XXXX CFPB new communication is also being immediately emailed to XXXX and XXXX. 

The 37 disputed items, unresolved for now 9 months, are again attached in files named : TransUnion XXXX XXXX XXXX DISPUTE and EXTREMELY URGENT_ OBSTRUCTION of Credit Freeze Lift and XXXX Adverse Account.pdf and TransUnion XXXX XXXX XXXX credit report 37 disputed items.pdf. 
Please resolve the 37 items. Best contact is XXXX. Please note CFPB again denied the upload of the above 2 files.  Please contact XXXX for these 2 uploads.

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 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Horrible customer service, shady practices and really rude manager. I went to deposit a check with cash back and the guy runs the check, says I cant get cash back but can take check to XXXX to cash then bring back the cash for deposit. He STAMPED the back of the check stating " this would allow XXXX to cash it ''. I go to XXXX and they cant cash it BECAUSE ITS STAMPED ON THE BACK! I then go to Chase and talked to manager who is extremely rude. XXXX female manager that sits in office directly straight ahead when you walk in. She was really rude, short and sarcastic then tried to blame me although her worker is incompetent. 
Another teller deposited check, told me it would be available in morning. When the morning came, check was placed on further hold because it shows as a duplicate deposit! Loss prevention says it was because the man STAMPED THE BACK OF THE CHECK! Now my bills are behind, and I cant purchase the car I was attempting to buy ... This is the worst branch and people ever. The have shady practices and I wonder if there is some type of illegal activity they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Was informed of incorrect information on my credit report and signed up for credit monitoring through Equifax XXXX of this year. Their dispute section let me file a dispute once and since has not worked i have called multiple times through the month of XXXX and now beginning of XXXX to get this resolved. I have received less then stellar service and reps have claimed to file disputes for incorrect info yet it shows that i havent filed any dispute at all let alone being able to accurately see the results of my disputes. Equifax has yet to reach out to me or resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
Good morning, I had to increase my Insurance coverage, so I had an additional premium that was due outside of my yearly premium. Originally when I received the bill, I noticed it had the wrong Mortgagee clause still ( my loan was sold from XXXX XXXX to Dovenmuehle. ) I faxed the bill to Dovenmuehle and called on XX/XX/XXXX. They stated with the bill being due on the XXXX, it wasn't enough time to pay out of my escrow account ( which I understood. ) I called my agent and explained the clause was wrong and I was going to pay out of pocket. They updated my policy and with this update, they faxed the bill to Dovenmuehle and  changed the due date to XX/XX/XXXX. I called Dovenmuehle back to explain that I was going to let the bill be paid out of escrow, since it was enough time. They stated they'd do this. 

I called back on XX/XX/XXXX to check the status. At this point, the bill has been sent to the company 2-3 times by myself and my agent. The person I spoke with said she received the bill, she even told me the premium amount so I knew she had the bill in front of her. I confirmed that I wanted it paid out of escrows and she stated it would be paid. 

I spoke to my Insurance agent on XXXX to see if they received the payment, they state they haven't. 

Fast forward to today, XX/XX/XXXX- the bill is due. I call Dovenmuehle to check to ensure payment went out. The agent states that the bill was received but no one on their end had opened up an order to issue the payment on the account. I ask why, and he states the agent I spoke with on XX/XX/XXXX " messed up ''. I ask what can be done, but he states very little with the payment being due today. They can overnight, but it would still be late. I ask how this can happen when I specifically asked them to pay it and he keeps saying sorry but that it was Dovenmuehle 's fault. He explains premiums outside of the yearly payment aren't always paid, but I state, again, that I spoke to several people to ensure this payment is processed. I stated to the agent I spoke with today that I authorization this payment through my escrow agent. Two agents advised me on separate occasions that the payment will be made out of my escrows. According to the agent, I did everything correct by stating this payment was to be made. Dovenmuehle is at fault for not paying my premium like me ( the customer ) requested -- several times. 

I am now in the situation to pay my premium out of pocket today due to the neglect of Dovenmuehle Mortgage. Mistakes happen, but this needs to be addressed. It needs to be corrected by the company because they are clearly and admittedly, at fault. My escrow account is set up to handle these payments so I don't need to budget for Insurance and taxes out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
My name is XXXX XXXX and on XX/XX/19, I went into the PNC Bank branch at XXXX XXXX, XXXX, XXXX, DE XXXX. I wanted to do a {$25000.00} cash advance from my XXXX XXXX XXXX account into my PNC account so that I could wire funds to XXXX internationally same day ( XXXX XXXX does not offer wire services ). I sat with VP branch manager XXXX who would assist me in completing this task. I clearly explained to her what I was trying to do and she proceeded with gathering information. I gave her my debit card which is needed to do the cash advance. XXXX looked and noticed I did not sign my debit card and that procedure requires them to do next level verification. At that exact point is where i started to feel very uncomfortable and felt the discrimnation started. She took my debit card and said she needed to check something and left me at her desk for 15 minutes. When she came back, she asked me about a {$25000.00} return that occured on my PNC account. I explained that originally I tried to do the $ XXXX eletronically but accidently put the sender of the money as PNC which PNC should have been the receiver. I have been with PNC for over 10 years btw. The stares she was giving me and the manner in which the questions were being asked made me feel very uncomfortable and made me feel like she already made her decision in not helping me. After making copy of my debit card and driver license, she sent me on my way and said that she will call a verification number to further verify if it was ok to proceed with the cash advance. I left the building at probably XXXX and called XXXX back around XXXX and asked if she called the verification number and she advised no and that she will not be helping me do the cash advance. There was no real reason as to why she would not help me with the cash advance which leads me to believe this was a discrimnation situation due to my race. Like i mention earlier, I felt very uncomfortable in the manner in which the questions were asked, the stares and the fact that she never tried in going thru the proper channels to assist me. This ended up being very inconvinnient and delayed the wire transferring. I eventually was able to do it the following week at a different branch and felt welcomed at that different branch. This is unfair for a bank corporation like PNC to discriminate against a long time customer and I would like my voice to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
My wife and I shared a checking account with Citizens bank. In early XX/XX/2019 my wife passed away. She had previously authorized Citizens Bank to withdraw automated payments of {$16.00} per month with a Vendor named XXXX, as I recall. ( Note : I was not involved in this commitment at all ). I went to Citizens Bank several times over the past few months, first with her death certificate to have them stop these withdrawals, yet they continued to take the money from my bank account every month. They suggested I take her name off the account, which I didn't do as this would have messed up the Social Security deposits. Recently, I went in to close the account and they told me that if the {$16.00} withdrawal requests continued to come to the bank, they would have no option but to reopen the account and charge me for these unauthorized withdrawals. Meanwhile, they have already withdrawn 4 payments that were not authorized. Its bad enough that I've had to deal with the passing of my wife, having this added stress is so disrespectful, discourteous and heartless. Note : I relocated to XXXX XXXX, CO and wanted this resolved before I moved, however, they have refused to cooperate despite all my attempts the past several months.. Please also note, I am a Senior citizen, XXXX years old, retired and also a Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian will not remove incorrect names/addresses from my credit report after repeated calls and disputes submitted for this wrong information

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 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received communications from the IRS showing that I owed taxes on a debt discharge of {$3900.00}, and received a Synchrony Bank tax form 1099-C for the year XXXX showing that same amount. 

However, I paid a total sum of {$2400.00} as full and final settlement of Cause No. XXXX to the plaintiff XXXX XXXX XXXX, XXXX, Assignee of Synchrony Bank ( XXXX XXXX ). 

As a result of that payment of part of the debt, the final amount that should have been discharged by XXXX is {$1500.00}. 

I sent Synchrony all supporting documentation on XX/XX/XXXX and they haven't updated the 1099-C or submitted it to the IRS. I am receiving intense letters from the IRS stating I owe almost {$900.00} in taxes for that full discharged amount of {$3900.00}. 

I have provided the documentation of the debt settlement agreement and the actual settlement of the debt.

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 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
Ditech decided to pay our property taxes in full in order to get the 2 % discount. Our escrow was set up for quarterly payments. We found out what they did when we got our yearly escrow estimator. At first when I called, they said the town only sent them the lump sum amount. The town and XXXX both said that was not true which forced Ditech to admit it was their decision. We are asking them to go back to quarterly payments for 2020 and they are refusing. Lump sum would have been fine if the escrow account had been set up that way originally but it was not. We did not authorize this change and we do not care about saving the 2 %, it saves us less than {$100.00}. This is our money paying our taxes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
Associated credit services has called my number multiple times a day for several months asking for XXXX XXXX. My name is not XXXX XXXX and no one lives here by that name, despite me telling them this multiple times and requesting for them to stop calling. They are still calling. They just called again this morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation