vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX a rep from Aqua Finance , Inc came to my new wife and I and sold us a water treatment system for a house in XXXX but after the system was installed their rep returned and informed us that because of a recent bankruptcy from XX/XX/XXXX, that there was a problem with the loan and that my now ex-wife would have to file for the loan by herself which she did, but since they are unable to collect from her they are using the 1st contract that they denied with me as part of it to collect from me. I have asked them to send me prove a approved loan in the form of a invoice which they have yet to do all the send is a copy of the 1st contract. I made a complaint to the XXXX and even in their answer they state that " Numerous conversations were had between me and them and that I even made a payment via a credit/debit card on XX/XX/XXXX '' which if further looked into we find that all were made by the true owner of the loan my ex-wife ... .to which I have been divorced since XX/XX/XXXX and that I had moved back to XXXX  also in XX/XX/XXXX..I also have been on XXXX since XX/XX/XXXX and on XXXX  since XX/XX/XXXX ... I have never claimed this loan and persist that again the 1st contact was denied, which is their only proof and which I believe has to be illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal employee from the XXXX Police Department officer name : XXXX XXXX and her debt collection company name : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX Potetial Criminal Activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 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: Continental Finance Company, LLC
State: IL

Complaint narrative:
The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse service!

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 2019-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Stated I have an escrow shortage of {$190.00} when I am 100 % XXXX XXXX in Texas not paying property taxes and insurance was payed up. Still taking property taxes into escrow when they should not be. Will not return my calls or emails. Continue to say that they will be doing an escrow analysis on my account a couple days after I call. Escrow refund of {$5400.00} was told to look out for it in mail and haven't received it a week later.

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 2019-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I would like to submit a formal complaint about XXXX XXXX. 

When I requested recalculation of my IDR payment plan, I was directed to fill out the form OMB No. 1845-0102. This form was partially filled out for me. Yet, Section 6 was not greyed out. I requested a one-month reduced forbearance for XX/XX/XXXX. I submitted this form on XX/XX/XXXX. Furthermore, official letters from XXXX XXXX said my form for recalculation was approved. I assumed this meant that section 6, my request for a reduced one-month forbearance, was approved. The letters also said to continue paying my normal payment till XX/XX/XXXX, which normal to me was the {$93.00}, not the untenable hike that caused me to request immediate recalculation. Had the letter not incorrectly informed me, or had the form not allowed me to incorrectly request a reduced one-month payment, I would have known to save enough money for the XX/XX/XXXX payment. Now, I have to dig into my meager emergency savings and put more debt on my credit card. 

I emailed XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and did not receive a response with respect to my confusion about how much to pay on XX/XX/XXXX. I finally called today on XX/XX/XXXX and spoke with employee # XXXX who confirmed that I am expected to pay {$440.00}, despite their runaround and miscommunications. I will pay the {$440.00}, but I am submitting this complaint because I feel XXXX XXXX needs to be held responsible for their misguided forms and lack of response. 
XXXX XXXX is intentionally difficult because it makes money off of people in revolving debt. These practices are unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing with XXXX, XXXX, Experian on XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are XXXX deficiency amount. The 3 accounts are Repression 's from XX/XX/2018 and are still reporting late payment days.

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 2019-01-24 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: IL

Complaint narrative:
The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse service!

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 2019-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was out of job for 2 years because I was hurt. On XX/XX/2018 I went to Speedy cash and I took a payday loan in the amount of {$960.00}. I was desperate and I did not wanted to become homeless. I went there and they did not explained to me what I was signing. I have been paying {$210.00} on XXXX of the month since XX/XX/2018. I saw in the app that on XXXX first I have to pay {$1200.00}. There is no way I will be able to come with that money. The payments I have been making in XX/XX/XXXX total XXXX and while I understand businesses need to make a profit, I dont understand why I have been charged so much interest. I want to honor my commitment but it is so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Premier Auto Credit
State: CA

Complaint narrative:
I have contacted primere auto credit on several occasions.. I purchased my vehicle in XX/XX/2018 and I had to get car repairs done in XX/XX/2018 that totaled an amount of over {$700.00}. When I asked if I could defer a payment I was first told to send in documentation to support my request. When I finally had my documents I was than told no I could not do a deferment and I did not need to send in any documents and in order to defer I would have to make a total of 10 payments. This was in XX/XX/2018. I have recently contacted them and requested the same thing and was told to send in paper work again. I declined and advised I was told something different in XX/XX/2018. I have tried speaking with a supervisor and the customer service reps I get the refuse to transfer me and say they are transferring me to a voicemail which I get hung up on. I am at the point I can no longer sit on the phone with rude unprofessional people trying to get correct answers to my questions regarding my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/2019 Consumer went through onboarding process to open a savings account at Marcus.com. After disclosing all information the application was refused. No reason was provided. 
Consumer immediately tried to respond via email ( as part opening the online account Marcus.com sent a PIN as part of the verification process ). The email bounced and no alternative email was provided. 
Consumer Called customer service and requested disclosure as to why the application was refused. Request was not serviced citing privacy concerns and no alternative path to a ) either provide additional supporting documents or b ) reach someone who could help were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a mortgage for a investment property I originated in XXXX with Chase Home Mortgage and I was a prime borrower and received a subprime high interest rate of XXXX percent. I have knowledge at that time I was mistreated during the origination process. 

In XXXX, I had a escrow account and my loan was transferred with a negative escrow per Chase Home Mortgage to my new Servicing Company and I did not elect to not have escrows which was part of my modification agreement. 

Now that my taxes have not been paid according to RESPA guidelines to assist borrowers. A tax buyer has purchase my XXXX taxes in the amount of {$10000.00} and will be purchasing the XXXX taxes and If those taxes are not paid I will loose my property. 

I can not afford to pay these taxes to save my property. This is why when I did a modification to help me to get back on track. My taxes were included and I did have escrows. 

I have been in contact with Chase Mr. XXXX and no resolution to my matter and it is not my new Servicing Issue because they were only notified of the negative escrow not I had a escrow account and I have been struggling to pay this mortgage for now for 18 years and I am owed from Chase per the court records. 

I was a prime borrower and received subprime interest rates and that leads me to be treated unfairly and I am owed that money back for the discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX  for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. 

Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX  on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Fleet Financial, Inc.
State: VA

Complaint narrative:
I have an open loan with XXXX XXXX XXXX XXXX because XXXX refuses to give XXXX XXXX them the title. The problem now is, I need XXXX XXXX to apply the loan payment to XXXX   XXXX XXXX XXXX or they need to unwind it, which isnt something desirable for either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Hello. 
I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. 
Can you help me with this issue?

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 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
We had a house fire in XX/XX/2018. We received our insurance check promptly, endorced the check and sent all requested paperwork to our mortgage company ( Flagstar ) immediately upon receipt. To date we have yet to be issued any money from our insurance check. We have been told they will issue it, then another excuse comes up that it hasn't been issued. When we call back to find out what the issue is, we are told there is no issue and they will send the check, which as yet to occur. The last instance ( today ) I was told for the second time they want a copy of the contractor 's license ( not initially requested by them ) and when I call in, I'm told that the state of Pennsylvania doesn't require that. It has been two months without any money, which means no repairs can be paid for, no heat in my house ( in the middle of winter ), and a mortgage company that seems to be holding onto my insurance money and giving us every non-valid excuse in the book to hold onto the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have 3 charges on my American express card, first was made on XX/XX/2018 in the amount of {$2600.00}, then 2 more transactions on XX/XX/XXXX same merchant in the amount {$2600.00} and {$2500.00}. 
I contacted my manager that was at the time holder of additional card and he advised me that he didnt do this transactions. Then i contacted Amex and made a billing dispute, after XXXX moths Amex sent me something in XXXX claiming that they got prove from another side. I reviewed this documents and noticed that signatures dont match. I called Amex and opened fraud dispute. 3 days later get letter from Amex that their decision stands. 
I contacted merchant and ask them to provide additional information, after providing to merchant all details of transactions and documents that Amex sent merchant respond was that they have no history or record of said transaction and have to take this with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a IRS XXXX XXXX form from FlagStar Bank. Upon reviewing the document, on the interest statement portion, the bank lists a savings account of {$300.00} in interest income. I have never had a savings account at FlagStar which listed account number XXXX. I called FlagStar on  XX/XX/XXXX and spoke with XXXX from the Financial Crimes Unit, who was absolutely no help, she made up excuses and did not want to hear my concerns, she would clear as day *** huff and puff XXXX at me on the phone. I believe the bank is falsifying income that does not exist. I never had a Savings account with them nor ever had an account number of XXXX. This bank is full of XXXX and excuses. I am glad that they closed my checking account on XX/XX/XXXX. Who wants to bank with a bunch of thieves and liars. Corporations like this think they are untouchable and that they cant be sued or fined for bogus acts such as this. They are soon to find out, when i prepare for a {$500000.00} lawsuit for creating bogus accounts with fake, falsified income that never existed. This checking account was a merger from XXXX XXXX to FlagStar, and if correctly, remembered XXXX XXXX was opening bogus accounts and had to settle with many customers. Apparently, FlagStar is following suit.

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 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: WV

Complaint narrative:
I paid off my mortgage with an insurance check due to a house fire, Ditech received my check as of XX/XX/XXXX. They have paid off my mortgage but I made my last payment on XXXX XXXX the regular payment due. On the payoff details they charged me {$11.00} late fee, nothing was late, and they charged me an additional {$250.00} interest charge though I just made a payment on XXXX XXXX and paid {$260.00} interest. it was like they took my payoff and paid it like it was the XXXX payment that I have already made. I am disputing the {$11.00} late fee and also the {$250.00} interest fee. They also told me my refund could take up to 30 days after payoff even though they have received their money and I am paid in full.

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