vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
3rd complaint regarding this company. We are still trying to get our money from this company to continue repairs on our house. There is only approx. $ XXXX left to disperse and they will not use common sense in releasing this. A total of $ XXXX was paid by insurance. This only covers about 60 % of the repairs. This is why we need all the money sent to us. What is the benefit of nickel and diming us over the final $ XXXX. The house is obviously being repaired, as 2 inspections and hundreds of photos and invoices have shown this. The first complaint a response was received stating Should you have any questions regarding this matter, please contact me at XXXX-XXXX-XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Resolution Analyst Enclosures. We have attempted to contact this person with little to no success. Return calls are promised but not returned. A supervisor will call in 24-48hrs. Never happens. We have wasted dozens of hours trying to deal with these people and its like trying to reason with a first grader. Stop making the process so difficult, act professional, and at a minimum follow through with your promises. Give us our XXXX money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: IN

Complaint narrative:
I took out a loan to pay electric which was shut off. The loan was {$820.00} I went on the site to see when payment be due and found they are charging 646.10 % interest. That is ridiculous. I would pay back over {$4000.00}!

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 2019-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I sent an email to Advance America. In that email, I stipulated that it is against FDCPA to  make continuous calls or emails. I am confirming that the small debt of {$310.00} is owed however, I have been placed on medical leave from my place of employment. I told them that I would contact them at some point this week and let them know when I can make a payment. They still have repeatedly called, and also they have attempted to deduct the amount that I owe from my checking account which is not getting any funds deposited because I am on medical XXXX from work so I'm not receiving a payroll check, however, money is being deposited to an SSI debit card. They have chosen to ignore that fact and I have had subsequent returned check fees currently totaling approximately {$60.00}. I can not afford for this process to keep happening as I mentioned I am on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
This debt was released because of military service and me going to XXXX and not being able to take the phone so per military clause they closed it. It was already removed from credit bureaus and I was just able to open a new account with XXXX which would never happen if I had a current debt with them. Now it creeped back up and is showing on my report. I'd like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I am a Federal Government employee that has student loans with FedLoan due to the Public Service Loan Forgiveness Program ( PSLF  ). On XX/XX/XXXX FedLoan approved my Revised Pay As You Earn ( REPAYE ) plan and increased my monthly payment from {$630.00} to {$1200.00}. For their evaluation of my REPAYE application FedLoan solely used my XXXX tax return provided by the IRS and did not consider any other information. I am married and we file taxes jointly. We have XXXX dependent child that is XXXX years old. I do not understand how FedLoan doubled the monthly payment amount because in XXXX we earned {$3700.00} more in wages than in XXXX. Our personal circumstances are the same than in XXXX so I do not understand how FedLoan reached this amount. I need my REPAYE monthly amount re-considered because it is shocking that my payment doubled from {$630.00} to {$1200.00} for just earning {$3700.00} more in one year. 
Additionally, the REPAYE evaluation does not take into consideration that my wife and me have additional student loan payments ; that our mortgage payment increased from {$2000.00} to {$2400.00} ( {$320.00} more ) in XX/XX/XXXX ; that we have to pay {$860.00} in daycare a month ; that we paid {$2400.00} in our XXXX taxes ; that we have to pay utilities, car insurance, health insurance, etc. Respectfully I need FedLoan to consider the totality of the obligations my family has to pay a month to recalculate my REPAYE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud

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 2019-05-04 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: IA

Complaint narrative:
I HAVE SUBMITTED SEVERAL COMPLAINTS FOR INQUIRIES LISTED ON MY CREDIT FILE THAT ARE NOT MINE, THERE IS A FRAUD ALERT ON MY CREDIT FILE AND TRANS-UNION HAS BEEN ADVISED TO REMOVE THEM AND THEY ARE DOING NOTHING BUT SENDING ME A CANNED MESSAGE SAYING THAT THEY ARE FACTUAL RECORD OF FILE ACCESS, AND THEY WILL REMAIN, THE FCRA STATES THAT FRAUDULENT OR UNVERIFIABLE INFORMATION NEEDS TO BE REMOVED FROM THE CREDIT FILE. 




XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WHY IS THERE ANOTHER INQUIRY FROM : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- THIS CARD WAS OPENED 5 YEARS AGO XXXX XX/XX/XXXX- SAME THING THIS CARD WAS OPENED 2 YEARS AGO, SHOULDN'T BE ANY OTHER INQ SINCE MY FILE IS FROZEN. 
XXXX XX/XX/XXXX- CARD IS 6 YEARS OLD, SHOULDN'T BE ANY OTHER INQ

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 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
statement date XX/XX/19 last bar. XXXX charge XXXX XXXX payment XX/XX/19 XXXX payment XX/XX/19. XXXX statements date XX/XX/19 last bal XXXX late chg XX/XX/19 XXXX late charge was applied because I made early payments I have other cards that recognize early payments made before cycle end and do not make charges. 
I was told I needed to understand how there system works. there is not anything on their web site that states that they do not recognize these payments as satisfying a payment due in a statement due out in the next few days. 
I was penalized for early payment and payments that far exceeded any payment amount

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 2019-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been asking for help in getting clarification of standard balance vs promotional balance to determine the amount of payment necessary. 
Agents have consistently been rude and difficult. 
Further, I was unable to login to my account online from XX/XX/XXXX to XX/XX/XXXX. 
I called customer service and emailed known contacts inside the company, but was refused help. 
When I was finally able to login, I see they have charged me a late fee, and I still don't know the standard vs promotional balance. 
I used the chat function to ask for help, and the agent refused to assist me. 

I am submitting this complaint in the hopes of receiving the help I need.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I opened a PayPal account, with the email XXXX XXXX XXXX. Two transfers were made to that account : one for USD {$25.00} and another for USD {$10.00}. 

Subsequently, PayPal wrote me an email stating that I should attach some identity documents and others, verifying that the transactions are lawful. 

The documents were sent to PayPal, as requested. 

Subsequently, PayPal has indicated that my account is closed. That I will not be able to send or receive money and that USD {$33.00}, I will only be able to claim them for 180 days. 

I consider that it is an abusive policy. I agree PayPal is not obligated to have me as a customer, but must return my money immediately. 

At this time my account is suspended, but PayPal retains the money. 

This is a common practice of PayPal, which benefits him because even within 6 months users can claim their money, but meanwhile, they do not pay interest on the money withheld. 

On the other hand, PayPal, before opening the accounts, should ask for the documents and before accepting the transfers, ask about the origin of the resources and decide whether to accept them or not, so as not to harm the users.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
on XX/XX/2019 I received a later dated XX/XX/2019. It looks like is from a law firm Rubin & Rothman , LLC attorneys at law. XXXX XXXX XXXX XXXX, NY XXXX phone # XXXX faxXXXX.This is fraud trying to collect a debt. 
1 ) the letter looks fake like mass produced ( I work for attorneys and this is not a formal letter of collections ) 2 )  my name its not correct or the address ( its close but wrong ) 3 ) it says I own $ for credit card with XXXX 4 ) I DONT HAVE ANY CREDIT CARDS WITH THEM. If I ever did it was over 15yrs ago. 
all credit accts were closed. and any credit cards I have is in my real full name, never in my pet name. 
5 ) this is 1st I seen this type of communications

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 2019-05-04 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: IA

Complaint narrative:
i have the following inquiries listed on my credit file, are not mine, they are to be removed as fraudulent applications have been submitted in my name, hence why there is a fraud alert on my file. Should you have a better system I would have placed a security freeze but Equifax cant figure that out, nor do you have a website that works half the time. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
They keep calling many times on a daily basis.

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 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I called USAA on XX/XX/XXXX to help me resolve a debit card dispute for a transaction that took place on XX/XX/XXXX in the amount of {$6500.00}. The company I am disputing with has a class action lawsuit pending against them for bad practices etc. I specifically asked the representative it was too late to dispute the amount, she said no. She said she could dispute it for me with out any problem, which she did and gave me provisional credit. She then told me I needed to write a letter to ensure they got my side of the story while they investigated. I wrote a long letter to explain everything .... 

I received the provisional credit on XX/XX/XXXX and patiently waited for the results of the dispute after Id gathered my evidence and wrote my letter as instructed only to hear back from them 3 weeks later on XX/XX/XXXX saying my dispute was filed too late and they would be removing the provisional credit without even investigating. This seems crazy to me as I am sure there should have been training in place to let the first representative know not to file the dispute if it was past the timeframe to file. In addition, why did it take 15 business days to get back with me to tell me they werent going to investigate. Which means they didnt even start looking into my dispute or my letter that I took the time to write per their instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In XXXX of 2016, I received a notice about a late payment for on my XXXX XXXX credit card - comenity bank. I notified them that I had not received any bills or notification and paid the bill in full right away. I had them update my mailing address ( which they did not have the correct address ) and my email address. I was told this would have no negative impact to my credit because of the measures I took to resolve. 

For the last 3 years, I have had this 1 single late payment reflected on my credit report and have never had a late payment before this false report. I have excellent credit and am very meticulous about my finances. I would like to have this rectified on my report to reflect my level of conscientiousness and the fact that they did not have the proper information in order to send me a paper bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: KEYCORP
State: WA

Complaint narrative:
On or about XX/XX/2019 KeyBank received Affidavit of Identity Theft and Fraud regarding the account in question. During the course of their investigation I furnished them with a copy of my Certificate Of Offender Status as proof that I was incarcerated during that time period. Furthermore, I testified under penalty of perjury that I did not authorize any transactions in my absence. 
It is now XX/XX/2019, and after attempts to contact KeyBank to remove this item, the KeyBank account is still on my credit reports. This is a violation of the Fair Credit Reporting Act because the information is inaccurate and the account contains fraudulent activity for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My Mortgage was transferred to a new company called Mr. Cooper on XX/XX/2019.  They sent me an email dated XX/XX/2019 that they were the new mortgage company. Also stated in the letter it states there will be no late fees or negative reports on my Credit Report for 60 days of transfer. I have now received two late fees that they refuse to reverse, stating that it is from the previous Mortgage Company. I called them on XX/XX/2019 to customer service and he said they couldn't reverse it because its from the previous Mortgage Company. I then asked to talk to his Supervisor, She told me the same thing. They are lying to me, since the transfer took place on XX/XX/2019 and the fees have been assessed after that date. They have been told by Mr. Cooper to state this. It wouldn't be surprising if I find out they are doing this to all their newly transferred customers.Late fee assessed on XX/XX/2019 {$57.00} and XX/XX/19 {$57.00} According to their website this is the fee for their late fees. Also my previous mortgage company charge a {$75.00} late fee. Also Mr. Cooper doesn't tell their customers that they bought Seterus Mortgage Company for XXXX million dollars. They only say it was a transfered and not an acquisition. They are not being honest in their business practices, just like Seterus was and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
This matter involves Paypal not administering and discharging their duties of customer account ledger balance returning funds ; upon account closure. I have attempted to resolve the issue with Paypal several times to no avail. The complaint is that they will not return funds back to me that remain on my account when I sought to close my accounts. Instead, I was instructed my only option was to donate the said funds to a charity of THEIR chose. This made little sense to me, because it is my money on ledger. They stated there was no way to return funds back to me upon account closer and my money would be essentially disregarded as theirs '. I find no permissible way, arbitrarily speaking, for a financial bank of institution [ and in this case an electronic non-brick-and-mortar establishment ] to not be able to return or deposit remaining funds or transfer remaining funds to another financial institution of the account holder. Paypal insists further, it has privileges. 


I find this a serious allegation for the company to resolve. 

There are numerous accounts associated with my name or EIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: NC

Complaint narrative:
On XX/XX/2019 Experian e-mailed me that my score had dropped 8 points, On XX/XX/2019 Experian e-mailed me my report dropped another point. I checked with them and there were no changes they or I could detect on my credit report. They told me over the phone just to accept that they are correct and there are several things that make it drop, but they could not tell me what it was. Both XXXX and XXXX have noted only increases on my report as I pay off all my accounts promptly. I also noticed when I was trying to get info online I would constantly be bombarded with paying for upgraded services from Experian in order to get more information about my account. Please help! I take my score very seriously and do not understand how I can keep Experian from continually dropping my score if I can't ascertain why they are doing it!?

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 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I received an email about a new item on my three major credit reports. There is a collection company named Carter-Young , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX unlawfully.

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