vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PR

Complaint narrative:
I have submitted an Income Based Repayment Plan ( IBR ) request four straight times since XX/XX/XXXX. The first was a renewal. I included my latest tax return and a letter, as I have done since XX/XX/XXXX. It was denied because I did not include my federal income tax return as notified on XX/XX/XXXX. 
I explained that I dont file federal income tax return because I dont live in the United States. 
I wrote a letter and resubmitted a new IBR payment request, explaining that I dont file for federal taxes. I also had to explain what my monthly gross income was, since according to the customer service representative, they simply cant divide the annual gross income by 12. They also keep asking me for paystubs, which I cant provide, because as I have explained so many times, i am XXXX XXXX. 
And so, once again, on XX/XX/XXXX, my IBR plan was denied because I did not include my federal income tax return. 
On XX/XX/XXXX, a third IBR request was denied because my tax return does not show my gross pay, asking me for pay stubs or a letter from my employer. Once more, I AM XXXX XXXX. This I explained in my letter. 

XXXX XXXX, keeps nit picking at my IBR requests and finding excuses to not accept my IBR requests where everytime, I have included my most recent available tax return and where they can find how much I make a year and divde it accordinlgy to reach a monthly gross income. 

XXXX  XXXX is being capricious and arbitrary in making their decisions to not accept my IBR requests. The problems started last year, when my XX/XX/XXXX approved expired. Since XX/XX/XXXX, I have been losing my automatic forbearance periods on each request that is denied. 

I demand that XXXX process my IBR requests, since every time, I have provided them with my tax return and a letter explaining what my gross income is. I also want my automatic forbearance time credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC
State: DE

Complaint narrative:
I send a certified letter return receipt to the address listed on the website on XX/XX/2018. On XX/XX/2018 I place a stop payment on my checking account to prevent any additional payments from being taken and they are still coming out. On XX/XX/2018, the amount of {$530.00} was deducted from my account. I want my money refunded. 

Tracking number for certified mail is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Hello CFPB : My name is XXXX XXXX I am writing for advice on what I can do about a payday loan collection that I paid off. At least 5 yrs ago I had defaulted on an online payday loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX. I had paid one of the two acct off {$180.00} before the acct was transferred to a collection company named XXXX. My balance was {$710.00} which I had later paid off by XX/XX/2013. My last interaction with XXXX they tried to double dip for my last payment. Never heard from them again and cant get in touch for proof of paid debt bc no call back. My number is still the same XXXX and my address had been the same for at least 3yrs afterwards. Fast forward and I get a post to my credit report that I owe a collection acct totaling XXXX dollars to Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. They have my phone number, billing address, and job info but have never sent any paperwork or proof that I owe on this acct. Come to find out that this was probably an illegal transaction to begin with from XXXX XXXX. Now they are trying to double charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
In XX/XX/2018 some one applied for a cash loan using my personal information, Which is now on my credit report as a hard inquire. The institution is Check into Cash located in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: DC

Complaint narrative:
Home Point incorrectly put lender-placed insurance on my account, causing my monthly payment to skyrocket. I emailed Home Point proof of insurance on XX/XX/XXXX, and on XX/XX/XXXX, a Home Point Insurance Processing Associate ( XXXX XXXX ) emailed me the following email : " Thank you for contacting Home Point Financial, also thank you for providing the insurance information. The account has been updated and the documentation has been saved in our system. The Lender Placed will cancel, you will received a letter and the funds that were charged against you will be refunded. '' However, Home Point has not refunded me the charges, and in fact, is still charging me for the lender-placed insurance. 

I have literally spent hours on the phone with Home Point trying to resolve the issue. During one call a few months ago, a Home Point representative assured me that I would receive the full refund in XX/XX/XXXX, after they do an escrow analysis which was scheduled for that month, and that my mortgage statement would reflect the proper amount at that time. I have not yet received my refund and my statement still reflects the incorrect amount with the lender-placed insurance on it. 

Yesterday, a representative at Home Point told me that I will continue to be charged the lender-placed insurance until XX/XX/XXXX. The representative also told me that I should have received an escrow refund check in the amount of {$800.00} in XX/XX/XXXX, but I have not received any check from Home Point, and the amount that Home Point owes me is closer to ( if not more than ) {$2000.00}. The representative then told me I would have to wait until next XX/XX/XXXX to receive the remaining amount, because they only run the escrow analysis once a year. 

I'm at my wits end. I've called dozens of times and have been incorrectly charged thousands of dollars for lender-placed insurance. I don't know what else to do. Please help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
ive ' had my american express card for over 15 years. my credit limit on this one card is over XXXX XXXX an amount im ' far from reaching. about a week ago, i faxed american express regarding some seven diff airline tickets at like seven diff airports withing two day window. not one signature from me verifying the charges and thats ' fine like who needs verification for that. i guess privacy concers are all talk. lem me explain myself. not once have i crossed the treshhold of my  credit limit, not once did i even come close. today i tried to use my card for a recurring cell phone bill of XXXX dollars..two or three days ago i sent XXXX XXXX on my acct balance. not once did anyone from amex call me to say hey youre late on your acct but for gods sake to have them shut down my card until i pay XXXX dollars oh then the guy goes theres a XXXX dollar late fee due and next breathe goes we didnt get payment since XXXX ... are we in XXXX yet? why does consumer finance even exist. and can you imagine how many have access to my hey i have a question since my credit limit over XXXX XXXX, if i had a sero balance and bought a XXXX XXXX dollar diamond would amex cut me off at XXXX XXXX and go, dont gove that dismond just yet, we acknowledge their credit limit not XXXX XXXX but over XXXX XXXX but until they pay XXXX dollar reaching XXXX XXXX thresh hold dont give that diamond just yet what kind ofcommerce based is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX , XXXX deleted this collection off my report because they could not verify this debt in the amount of {$2300.00}. A few months later a collection company by the name of Diversified Consultants INC added the same collection back on my credit report. I was not notified of the debt so I was unable to dispute the debt before hand. I do not have a signed contract nor any contract with Diversified Consultants INC. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with Diversified Consultants INC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In follow up to complaint number XXXX I am asking that this complaint be continued with Chase Card Member services. I was told only one call was reviewed for a case that spanned many months and many calls. This one call has only a partial story telling capacity that does not tell the full story of what needs to be told to understand the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc
State: FL

Complaint narrative:
XXXX at XXXX XXXX XXXX and her team failed to review our appraisal and the fact that a repair was needed per the appraiser. Two weeks before closing, her team is telling us that the underwriters are requiring a repair with photos of an issue that was disclosed in the appraisal that was distmissed by XXXX XXXX XXXX. This result is costing us {$800.00} in financial burden and possibly a rent extension on our current apartment of up to {$2000.00} if these repairs delay closing. We are less than 2 weeks away form closing and XXXX And her team refuses to pay for the repair even though XXXXne of her Assistants, XXXX stated that this was their fault. XXXX is saying that it was a mistake but that mistake is costing us. I am looking for a lender credit of {$800.00} to cover the costs of fascia repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
This Company ... Shell Point Mortgage Business telephone Number ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, S.C. XXXX Has been calling Our home telephone number for at least " THREE MONTHS NOW! '' Each time They've call ... They " Block Their Number '' ... so it's only showing up as a ... '' Private Number ''. They have NEVER left a message and there has never been any written communications sent to Our address via U.S.Mail. 

Today, ( XX/XX/2018 ) ... We received another call ... ( Blocked Number ... showing Private ) ... and this time, We answered the call. We spoke with a Representative from the Company named XXXX XXXX. Representative XXXX stated that She was trying to reach " XXXX XXXX ''. We advised this Representative that there was no one by that name that lives here. We further informed this Representative that ... '' XXXX XXXX '' ... was " An Ex '' ... She lives in another state and We had nothing to do with Her debt. We asked that The Company remove Our Telephone information from their system. We ask that these collections calls cease. When We asked for the Corporate Business Telephone and address, We were not provided with this information. The only number given was this ( XXXX ) XXXX. We believe that this Company received Our personal information by " Skip Tracing '' ... HOWEVER ... Their Information is INCORRECT and We want this telephone harassment to end. Please Help Stop This Madness. Thank You.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I sent an letter on XX/XX/2018 advising that I was revoking authorization to debit my account. I sent the letter certified mail tracking number XXXX. I also placed a stop payment on my account to my account from being debited however, they debited my account anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: OH

Complaint narrative:
I want to terminate my lease earlier than when the lease is supposed to end and return the vehicle to Volkswagen. 

They have told me that this is possible and that they can give me a payment plan for the amount I will owe instead having to pay the entire balance at 0 % interest ( one reason I want to do this payment plan ). I estimate I will owe them {$2400.00}. 

However, they will not show me or write to me in writing how this payment plan will affect my credit report and how the lease is currently being reported. 

I am concerned that doing this payment program could negatively affect my credit history but they say that this would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received a notification by mail from collection regarding toll fees that need to be paid for that amounted to {$210.00} in total. Ive already paid the fee on XX/XX/2018, this is about 2 months ago now, and have a confirmation email and a reference number to prove my statement. Ive contacted FTC to speak about the issue and the representative I spoke to told me to file a complaint. As you can see from the picture sent, its the same amount and violation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Consumers Inc
State: MD

Complaint narrative:
I was taken by ambulance to the emergency room at XXXX XXXX hospital in XX/XX/XXXX with XXXX   XXXX XXXX from a XXXX to do my XXXX XXXX. I was sent directly to the XXXX XXXX. the dr. claiming this bill / never sent me a bill to my address until XX/XX/XXXX claiming it was still owed. all bills were sent to the XXXX XXXX va. billing dept. with a pre approved authorization # and all drs. agreed to be paided by the va. its not my fault XXXX. XXXX XXXX did not submit his billing in a timely matter to his agreement to be paid by the va. since I am a XXXX vet with a hardship below the poverty statis. and I made clear to all drs. who treated me that I could not pay these bills and I even asked to be transferred to the va.to see my own drs. and they told me the va. agreed I should not be moved. this is an ongoing habit at XXXX XXXX hospital of not hearing what the patience is saying to them and XXXX. XXXX XXXX put this bill against my credit report without notifing me first in fact its been on my credit report for some time now. I was also contacted by the billing dept at XXXX XXXX and they said I fell under the hardship forgivness program. if you can help me with this complaint im complaining about. XXXX XXXX XXXX phone # XXXX XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Dealer services web payment processes over-payments as future credits with further and further extended payment date, instead of applying the extra to lower the principal of the loan. 

They will only take principal payments in person or by check.

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo notified me that my escrow account was {$870.00} short. I call to ask why. I was informed that my homowner 's insurance and taxes went up. I contacted both agencies and neither amounts changed. I faxed statements from both XXXX and XXXX XXXX. XXXX XXXX. I am asking for a reevaluation of this deficit. I also have XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Today, XX/XX/XXXX, I noted an abnormal charge ( from Experian ) on my bank account for {$21.00}. I called the number associated with the transaction and was advised that on XX/XX/XXXX, I signed up for a 7-day trial credit-monitoring service for {$1.00} which would turn into a recurring {$21.00} monthly charge if I failed to cancel the service before the end of the 7-day trial period. 

I honestly don't remember signing up for this service ; I do, however, remember paying {$1.00} to view my credit score when I requested my credit reports from all three credit agencies ( via XXXX ) at the beginning of the year. Is Experian not required to give me more information surrounding my alleged subscription for this service and the terms I allegedly agreed to? 

I have been charged for this credit-monitoring service for the last five months. During the last five months, I have received zero monthly statements for this bill and zero receipts of payment from Experian. The service representative I spoke to claimed that I should have been aware of these charges because they were showing up in my bank statements. 

Are businesses allowed to pull money, on a recurring basis, from a bank account without notifying the owner of the account? That people are assumed to review their bank account statements is no justification for the business ' failure to provide monthly statements or receipts. XXXX and XXXX are just two of the companies that take recurring payments from my bank account and still have the courtesy of providing me with monthly statements and/or receipts. Is that what notice of a monthly recurring fee is - a courtesy and not one required by any consumer protection statute or regulation?

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