vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
When i contacted the company to make the payment of {$130.00} which states on all three bureau that amount, i was told it would be {$440.00} or renew loan. I wasnt able to do {$440.00}. My understating is that amount shown was that of previous settlemeant .i didnt make payments nor reset for s new loan wasnt sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
At the beginning of XX/XX/XXXX I called PNC to request an appraisal of my property with a purpose of removing mortgage insurance. Talk to them over the phone, got an official letter with a price for appraisal of {$590.00}. In the letter it said that I will be contacted by appraiser as soon as they receive funds. I send a check next day. Haven't heard from them. Check has been cashed but no phone call. I contacted PNC to find out whats going on. Over the phone a rep told me that they work only with one appraisal company ( which is not true ) and this company charges {$1000.00} for the service, so if I would like to proceed I need to send them an additional {$420.00}. Which I did. Appraiser came in about 2 weeks later, look at the house and was very satisfied with everything. At the same time house next to me ( an  identical copy ) just got sold for {$370000.00}. In XX/XX/XXXX I got a letter from PNC saying that the appraised value of my house is {$350000.00} which bring my loan-to-value ratio to 76.57 %. The appraised value needed to come in at {$360000.00} to bring LTV to  75 %. They were asking me to send them a check for {$5500.00} to bring LTV to 75 %. Which of course I didn't. I've been trying to get an actual appraisal report from PNC for 6 month. Finally after another attempt around XX/XX/XXXX, it has been sent to me in XX/XX/XXXX. 
The comps that this appraiser used are completely wrong. Majority of houses that he looked at were 3 bedroom houses where mine is a 4 bedroom, also most of them don't have a backyard, mine has a  good side yard all made up to perfection. 
The Zestimate on my house is {$400000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I had two CITI Credit Card accounts in my name. The first CITI account had a ( XXXX ) credit balance and therefore no payment was due.The second CITI account had a Balance due of $! XXXX which was due on XX/XX/XXXX. We paid on XX/XX/XXXX by Electronic check from our account at XXXX XXXX {$1500.00} but this payment was sent to the account that had a credit of ( XXXX ) so the credit increased to ( XXXX ) and the second account only received an automatic {$35.00} payment. When we noticed that we had a big problem. We contacted CITI since they had the money to please transfer to the correct account. CITI refused to transfer the ( -! XXXX ) to the bill due at their credit card account supposedly since they sent the money to XXXX according to their letter. Also please note That was our money not the Banks. XXXX shows no such credit to our account. 
When we contacted CITI they state that this account was transferred to XXXX XXXX we sent them a fax with a copy of everything on XX/XX/XXXX and have no reply.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IL

Complaint narrative:
I received a XXXX XXXX XXXX in the mail on XX/XX/18. I did not apply for this card, and the card that I received was not promotional - it is a legitamite prepaid debit card. 

It was mailed directly to my home address, and the pamphlet encourages me to sign up for direct deposit with XXXXXXXX XXXX, and includes a routing and account number. 

I have never heard of XXXXXXXX XXXX and again, I did not apply for this card. I am concerned about why this was sent to me, this companys actions, and how to fix this. 

Warm regards

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 2018-05-23 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: TX

Complaint narrative:
Since XX/XX/XXXX, I have had my auto-debit for my loan account to include the full scheduled payment and an additional {$500.00} solely dedicated to a higher-interest GradPlus loan. Since this time, I have recertified for IBR. The first auto-debit after the new base payments began, XXXX still deducted the additional {$500.00}, but attributed it amongst all of my loans rather than the assigned loan. This WAS corrected by them after a lengthy phone call to correct the matter, but there is no guarantee that I wasnt charged undue interest or that the other loan balances were adequately readjusted either. XXXX attributed the issue to a system upgrade error that they knew of when IBR accounts recertified. 

I have not had issues since the corrected issue in approximately XXXX until my XX/XX/XXXX payment, where the base payment and additional {$500.00} were auto-debited and the additional {$500.00} again distributed to every loan except the one it is scheduled for. There has been no change in loan status, no change in payment amounts, etc. It is inexcusable that I must continually monitor their activity to ensure this THEFT stops occurring, and it is THEFT. It is financial THEFT in the extra interest charged on a higher loan not being attributed its payment appropriately and it is THEFT of my time, which must be spent to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I informed them I had become XXXX. I have asked for, and sent all documentation that Social Security has provided me. I qualify for student loan debt forgiveness due to just my XXXX, not counting current new conditions. They say they work for the Government, yet they can not look up my name nor Social Security Number and speak to THEIR colleagues about how to do THEIR JOB! It states it in black and white on the walls.They keep stating that Social Security and DCF are not providing them with the information they need to make the determination. Everything we send they state it isn't good enough.If they work for The US Department of Education, then why don't they deal with each other and leave me alone?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Was told by Navient Corp that my loans were in forbearance but Navient proceeded to report late payments for 90 days from XX/XX/XXXX-XX/XX/XXXX. Loans should have never been in forbearance and should  have had a grace period starting in XX/XX/XXXX ( year I graduated ). 

Now I also just paid off my last loan balance and Navient for some reason charged me an additional {$97.00}. This needs to be refunded back to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018, at XXXX XXXX, I received an email supposedly from Bank of America. It reads as follows : Exclusively for : ( they put my email address here ) Your nline anking has been dsabled for securty purposes, We've detected an unsual activites from your acccunt, We want you to confrm your dentty to secure your accunt. 

Want to confirm this email, s from ank of Amerca? 
Sign in to nline anking and go to lerts History. The lerts History lists the Alerts sent to you in the past 60 days. 

This Alert relates to your Online anking profle, rather than a particular accunt. The accunt listed here is for verificatin purpses only. 

Ths message was maled automatcally to " XXXX '' during routne securty checks. 

Thank you. 
ank of merica Supprt Team Please do not respond to this message.

HOWEVER, I DO NOT EVEN HAVE AN ACCOUNT WITH BANK OF AMERICA! 

They embedded a link under this line in the email : Sign in to nline anking I did not click on 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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a Discover Card about 30 days ago with a balance transfer on the application. I read as much information as I could about the balance transfer process. I was approved for {$900.00} which is less than the balance transfer which was fine. In the meantime I paid off the other credit card in full since I was unable to do the balance transfer. Now today XX/XX/2018 I receive an email stating my balance transfer has gone through with an amount of {$850.00}. I immediately called Discover and asked why would I not be notified this action was taking place. Why would I want my new credit limit to be maxed out and also I need to cancel the balance transfer as there is no balance on that credit card. Discover said they could do nothing as it was still pending on their end. Which means no payment has been sent to XXXX yet. How can they not do anything and now I have to wait for XXXX to receive the money and then try and have them decline the transaction and send the funds back to Discover. They told me this was in there disclosures but from the 3-4 pages I ready while applying I could not find anything. This is not right and I need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
XXXX I signed a modification document, that stated unknown to me that I would be liable for XXXX for the modification. That amount showed up on my loan XX/XX/XXXX, and I was shocked. I did not realize such a thing existed. I feel I was taken advantage of during a time when all others were losing their homes, and I tried to retain mine. As a senior ciziten, I feel horrible that someone would even write such a document to keep someone in their home. Seterus enforced this and I am opposed to it. It is unhuman to do this to another person. Seterus, has received XXXX from Keep Your Home California for me XXXX, XXXX, to be applied to the principal balance, a statement that I asked to see prior to signing but they are not allowed to send until I sign the proposed modification which is fraud. I want to know where did the money go, what is the new principal balance and the documents sent does not clarity that. Why is my payment still so high. My payment prior to reciving the XXXX was XXXX per month. Now, with the XXXX applied my payment are only reduced by XXXX a month. When contacting Keep Your Home California they said it's should be worked out between me and the service but Seterus told me to sign or else.

I fear Seterus as they are not a good company and they do not have clients interest especially elders at hearXXXX. Can you help me!

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 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
Debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Access Receivables of NC Inc.
State: GA

Complaint narrative:
I never attended o XXXX University. I went to another school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: CA

Complaint narrative:
To : Experian, XXXX, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.

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 2018-05-23 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: CA

Complaint narrative:
To : XXXX, XXXX, Transunion. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.

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 2018-05-23 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: CA

Complaint narrative:
To : XXXX, Equifax, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX  for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: GA

Complaint narrative:
I never attended o XXXX University. I went to another school.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I called Home Depot to close my credit card. They did. They said they would remove a late fee, but never did. Around the same time, their late fee was also increased from {$29.00} to {$38.00}. I paid the balance on my card, but left the last payment short, per instruction from the agent who helped me close the account. I traveled for the past three months and return to find an additional {$120.00} in late fees and interest. Now I am back, and they call me 3-4 times a day to collect the accumulated late fees. At this point, they know that I will never shop there or use their card ever again, so they are just trying to milk as many late fees as possible. They using harassing methods to try and collect these fees. I refuse to pay Home Depot Credit Services, or to shop at Home Depot. It is strictly XXXX or XXXX  for me!

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX asked for debt to validated four times by XXXX. one time debt was removed by XXXX XXXX because not accurate. They then waited and put back on here. I have asked all calls and letters cease they continue to put wrong information on credit report. 
XXXX XXXX paid asked for this to be removed not stil by company or XXXX XXXX asked for validation nothing. 
XXXX, XXXX and XXXX continue to put wrong information on credit report when you do a dispute 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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I moved out of my apartment, where I had lived for 13 years on XX/XX/XXXX. I was told I could not extend my time and must vacate premises by end of day, Monday XX/XX/XXXX, I moved out, despite the fact I had to leave valuables personal property like furniture. I had to move to my parents condo in Florida to handle the property they had left after their death because the executor had not taken steps required. On XX/XX/XXXX I received a collection letter stating that I had not paid the amount of Moving-out charges per the report by the XXXX XXXX management. 

I have never received said report, presumably because the USPS LOST my mail for the period from XX/XX/XXXX to XX/XX/XXXX. I responded immediately, in writing, stating I did not, nor could I verify the amounts stated in the debt collectors letter since i never received any report and did not know what became of my security deposit nor last months I paid when I first moved in back inXX/XX/XXXX. I received a call on XX/XX/XXXX from the collection agency and was told the were charging interest at 5 % a day and they would report debt to credit agencies in one week despite my disputing the amounts. I did agree to pay a portion they said was the last utilities but I had to see the report itemizing the other charges. I have not received the report, and received another letter on XX/XX/XXXX which had the original balance plus interest but not reflecting the amount I paid XX/XX/XXXX over the phone. The collection company has not sent the so-called report and refused to stop further actions while we attempt to verify the accuracy of the debt. Without any information, they are unilaterally taking steps to damage my credit and charging interest on unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
i had a 2yr contract for sat.tv after 1yr they said they were raising the amount so i told them i was canceling. i was paid up at that time they were going to charge a penalty for canceling. they offered me 2 mo. free and then charged me any way so i canceled. iwas told i could'nt cancel i had a contract. if they can change my contract after 1yr why can't why can't i cancel

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