vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
lendmark financial has been approached by us about lower payments due to the stress of changing income source.XX/XX/19 they lower the payment {$30.00} per month, added two insurances that we don't need, and did another hard pull again on our credit report too. that did not help that much. payment is XXXX now for an 2007 XXXX that has been sitting due to it is not safe to drive anymore for more than six months. we still had to obtain another vehicle just to get back and forth to work. rent is XXXX now, lights, insurances, groceries, credit cards and the children supplies. 35.99 % daily is entirely too much. we are drowning trying to keep our credit for a first time car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: ID

Complaint narrative:
During the spring of XX/XX/XXXXI developed medical issues that were later diagnosed as a rare form of XXXX XXXX XXXX. As such, my medical expenses for the diagnosis and treatment of the disease exceeded my available resources to pay for both healthcare and my student loans. I fell behind on payments and ultimately into a default status on the loans. When I had recovered sufficiently, medically and financially, I refinanced my house to pay off the student loans. Payment in full for {$77000.00} was sent to Fedloan Servicing in XX/XX/XXXX and received by them on XX/XX/XXXX at XXXX XXXX ( USPS tracking # XXXX ). Fedloan servicing also transferred my account to the department of education default group on XX/XX/XXXX. Subsequent phone calls to Fedloan servicing were not fruitful in that they stated they had not received any payments on my account. A conference call was setup, XX/XX/XXXX, with a representative from my bank to provide information about the check that was issued and when it had cleared my account. During the call the representative from Fedloan servicing initially denied receiving the funds but later agreed they had received the payment and it was being held in suspense. She stated the funds would be transferred to the Dept of Ed on XX/XX/XXXX to clear my account. In XX/XX/XXXX I again contacted Fedloan servicing and was told the funds had not been transferred. XXXX, a supervisor with Fedloan servicing stated she could see the funds in their suspense system and that the account was marked as " do not forward or apply ''. She was unsure of why it was annotated in that manner but said they would send payment back to my bank. I asked for confirmation to be sent to me when this happened and she stated she would request that. Subsequent phone conversations have not resulted in the funds being released or any indication of when or if they would release the {$77000.00} that they agree they have no right to keep. It has been over 90 days since they received the funds and my account remains in a default status and is being erroneously reported as such on my credit. Recordings of the conversations with Fedloan servicing are available upon request. Their lack of releasing the funds in a timely manner is resulting in an additional cost to me of over {$7000.00} above my agreement with the department of education to clear the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I was informed by SunTrust on XX/XX/XXXX that The premium ( MPI ) will be eligible for deletion after XX/XX/XXXX and when your principal balance reaches a LTV of 78 % or % XXXX However, I received a statement from SunTrust Mortgage yesterday stating that As of XX/XX/XXXX your home has gained sufficient equity to eliminate the FHA monthly insurance premium I do not appreciate being given contradictory information. Apparently, SunTrust 's marketing staff and the persons administering its mortgages dont communicate with each other.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX-XX/XX/2019 I attempted to activate a Capital One credit card that was offered to me via regular mail. When I called the number to activate the link did not work. I called the number at XXXX to activate card only to be told I was speaking to the fraud department. They requested my full social security number and photo copy also, a copy of my Ohio driver 's license front and back, and after all of that, called at XXXX XXXX, XX/XX/2019 requesting a copy of a utility bill for proof of residence which I refused to do. I have credit monitoring which currently shows no suspicious activity related to my private affairs. I now feel this might have been some type of scam and I am very worried. Why would they offer me a card, only to request information that they should already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX   there are about 1000 soft inquries

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
7 months ago my lease became expired and i moved out of my apartment. Now there is a collection ( account number XXXX for {$1100.00} ) on my file indicating that I owe money when in fact management fail to refund my prorated rent. I have attached correspondence between me and upper management discussing the matter where he admitted that proper protocol was not followed by his staff when I vacate the apartment. The management team was new and in training and failed to follow proper procedure, and now XXXX XXXX is harassing me to collect money. XXXX XXXX have called me on several occasions and late evenings. They have been very disrespectful and intimidating. The original Balance reported was {$1100.00}, and out of nowhere a {$31.00} interest charge was added to this collection 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 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
ocwen bank had my mortgage i was behind on one payment i called them to see my options i was told that modification dont take as long as they use to, i had one a few years ago and it took 7 years and i did not want that again, i wanted to pay my mortgage just wanted that 30 days late off my credit report, well started modification 2 years ago, never got anywhere with ocwen but they traded my loan to phh mortgage 4 months ago and i get a sheriffs sale notice i have sent paperwork everytime phh and ocwen asked and have it documented that it was received then phh comes back and says ok we got that now the other ones are over 60 days old, i have yet to hear if declined or accepted my modification and time is ticking my case manager suposidly XXXX XXXX at XXXX ext XXXX EVERYTIME, and there were many at different times i have yet to speak to himi he is never there they have eveything they need and i need to see if i can save my home, i feel they are not doing anything they are just gon na let this go into sheriffs sale and i do have a few tenants

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have had the Bluebird by American express/ XXXX XXXX XXXX for at least five years. Recently, I purchased something then a week later, returned it. Since it was purchased through XXXX with my American Express bluebird card, that is the way they refunded it. So everything on the XXXX and went through smoothly, it shows up on my American Express bluebird account but they will not release the funds for seven days. My account reflects that the Refund was processed XX/XX/XXXX but it says hold for merchant review. these funds not available. I dont know what kind of trickery they are trying but lately if I have a refund no matter how small or how big, American Express Bluebird has a seven day hold on it even though its on my account as a refund. My thinking is they make money and my money for seven days and they owe me interest because it has already hit my account on XX/XX/XXXX but theyre holding it. I would like to file this complaint against them and havent researched because if it showing up on my account shouldnt I have access to the funds? I have never seen this with another bank in my life. I also have a XXXX, XXXX XXXX XXXX XXXX card and none of these hold for merchant review. I know theres some loophole that theyre probably falling through because truthfully I dont think any of them are American, as suggested by American Express. The bluebird card is linked to put in my payroll, which I never had an issue with. But whenever I have a refund I have to wait seven days? Now if it never showed up for seven days I could kind of understand that but since its just sitting there in my account, someones making money and it isnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax had a data breach and my information was exposed! My credit score went down because of it and I dont k ow what to do! I am very angry about this and if they dont fix it, I am suing Equifax. A lot of people were affected by this breach! They didnt send a letter out or anything! Please fix my credit report or Im suing Equifax for the exposed data breach. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northeast Recovery Solutions, LLC
State: CA

Complaint narrative:
Starting XX/XX/XXXX have received multiple calls at work and cell phone saying they are re activating old lawsuits against me Calls come from North East Recovery XXXX XXXX XXXX they have not sent me any documents by mail just leaving messages and saying they are contacting my work managers and are looking at my assets and employment to attach the judgement tp

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have the XXXX XXXX credit card from Comenity Bank. I have not used the account in the last few years. On XX/XX/XXXX I was charged {$100.00} on the card to be part of the XXXX XXXX. I however was not informed of this by XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX when I realized that I had been charged and was being charged a late fee. XXXX XXXX   said they sent emails on XX/XX/XXXX and XX/XX/XXXX but I provided screengrabs that I did not receive any emails about this and XXXX XXXX reversed the charge. 

Comenity Bank manages the credit card. I reached out the bank and they were only willing to take off 1 of the late fees. I had a past due account and wanted to close it. Even though I was unaware of the charge and did not consent to it and XXXX XXXX even reversed it they did not care and when I said that I should be not be responsible for paying it they closed the account and sent the information to the national credit rating agencies. I have copies of all of my messages. I was past due on an account I didn't know even had a balance because I did not consent to the charge and they were entirely unwilling to be understanding, especially since after the charge was reversed the only balance was late fees and interest on a charge that was no longer there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Account # XXXX. {$72000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/2019 Huntington Bank confirmed our XXXX XXXX XXXX account for bank to bank transfers. Prior to confirming our XXXX XXXX XXXX account Huntington Bank had electronically transferred funds from our credit union to pay a car loan where the car had a lien Huntington Bank released as apart of official Indiana state records. Huntington funded our checking acct by electronic transfer from XXXX XXXX XXXX on XX/XX/2019, our savings acct was funded by a paper check written from XXXX XXXX XXXX acct. On XX/XX/2019 I requested to move our entire acct balance at Huntington back to our XXXX XXXX XXXX acct. Huntington on XX/XX/2019 claimed the transfer was stopped by the federal reserve bank stating the account information for the XXXX XXXX XXXX acct did not match. Huntington has refused to credit our accts for the funds stating the funds were kept by the federal reserve bank. 

$ XXXX vanished from Huntington acct and those funds were not credited to our XXXX XXXX XXXX act or returned back to our Huntington acct. We have been promised those funds would be back into our act no later than start of business today XX/XX/2019. Those funds were not returned to our Huntington Bank account and they were not deposited to our XXXX XXXX XXXX act. Both the Huntington Bank and XXXX XXXX XXXX accts are joint with the same owners. 

We have attached proof Huntington Bank routinely withdrew funds from our XXXX XXXX XXXX for a car payment. We have proof of deposits made to Huntington Bank where they transfered {$1000.00} of {$6000.00} in funds electronically from our XXXX   XXXX XXXX act. 

We have attached proof of statements of Huntington Bank detailing our funds were on acct in their bank. We have proof of their emails stating they could not transfer our funds back to the same account they were drawn as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My debit card is through Bank of America. Starting on XX/XX/XXXX through XX/XX/XXXX I was hit with fraudulent charges totaling over {$600.00} coming from XXXX trips. The bank did not even alert me of the suspicious charges racking up I had to find the activity on my own through my mobile banking app. I reported the claim quickly on XX/XX/XXXX once I found the charges myself. I went through all the charges in question from XXXX for those dates with the agent. My account was temporarily credited for those charges while under investigation. So I assume everything is taken care of since these were clearly fraudulent charges because it would be impossible to rack up that many XXXX trips and I hadn't even used the app since XX/XX/XXXX. XX/XX/XXXX the {$600.00} plus in credits are now taken back out of my account. After calling XXXX  agent I find out that my claim was not ruled in my favor! After the agent looks into the claim we find out whoever the XXXX agent who submitted the claim made critical errors. He included a XXXX charge from XX/XX/XXXX and a few other small charges from a XXXX. These charges were never talked about in my initial claim when we went by each charge line by line. The agent tells me this is probably why claim did not go in my favor. So they now have to reopen the claim which could last up to 45 days for resolution. He files an official complaint on my behalf stating that it was an error on their end! Now I am out the {$600.00} plus overdraft fees that they charged me and no timetable for when my money will be refunded! They have now put me in an even worse position than the thief did in the first place! They tell me that they can not issue a credit for the charges while the claim is being reopened. Absolutely unacceptable customer service and now I am paying for their mistake and am out the money for who knows how long until resolution of the reopened claim!

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 monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
7 months ago my lease became expired and i moved out of my apartment. Now there is a collection ( account number XXXX for {$1100.00} ) on my file indicating that I owe money when in fact management fail to refund my prorated rent. I have attached correspondence between me and upper management discussing the matter where he admitted that proper protocol was not followed by his staff when I vacate the apartment. The management team was new and in training and failed to follow proper procedure, and now IQ Data is harassing me to collect money. IQ Data have called me on several occasions and late evenings. They have been very disrespectful and intimidating. The original Balance reported was {$1100.00}, and out of nowhere a {$31.00} interest charge was added to this collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TN

Complaint narrative:
I have been on an Income Base Student Loan Repayment for 11 years now. I applied around XX/XX/XXXX for the Public Service Loan Forgiveness plan the government has so my student loan servicing company switched from XXXX to fedloan. Final XX/XX/XXXX I called fedloan find out the status because I only have to make 120 qualifying loan payments for the loan to be forgiven and I have made them. after speaking to a fedloan representative ( id # XXXX ) he informed me that the records show I have only made 1 payment out of the 120. He stated that I have been on a different payment plan, I told him thats not true because I fill out the information every year to re-qualify and it says IBSLR plan. The representative told me unless I could show proof for the last 11 years there was nothing he could do. I told him I wanted to file a complaint and wanted an investigation started, he said with no evidence he would not do that. I told him I wanted to speak to a supervisor, he ask why I told him to file a complaint against him for not doing his job, he laughed and said give him a minute. He then came back and said he was able to see in XX/XX/XXXX a letter sent out saying it was time to renew the income base plan, I told him I still wanted to speak with a supervisor so he transferred me. Supervisor ( id # XXXX ) answered I explained all to her then she says noting they can do I would have to pay for another 10 years before I would be eligible. We went back and forth I told her the other guy found a XX/XX/XXXX document she said she could not find it and could not contact the other representative about it I was just out of luck. I told her I wanted to file a complaint and investigation she said I could not do that. I stated I would be calling the Department of Education to file a complaint against her. After back and forth she finally told me she would start an investigation even though she just said I cant do that. She then told me to investigate they would have to go thru 11 years of paperwork XXXX sent them to make an assessment of how many payments I have made that qualifies for the Public Service Loan Forgiveness plan and it will take 6 months to a year to complete. I told her that is unacceptable and she said that is the way it will be that I can just continue to make the payments because ( she said in a different tone of voice ) I am not eligible for the PUBLIC SERVICE LOAN FORGIVENESS. In my opinion fedloan is discriminating against XXXX XXXX workers. I have already meet the 120 payment requirement and submitted all paperwork to be eligible. Please help with this incident. 

Thank you,

Company response to consumer: Closed with non-monetary relief