vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 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: TN

Complaint narrative:
In XX/XX/2014 I had a company call me repeatedly to consolidate my loans. I was told that it would be in my best interest and that all loans would then be placed in an IBR repayment plan. After I consolidated and my loans they became serviced or managed through XXXX. XXXX placed me in the IBR program and I also enrolled in the ten year Public Service Forgiveness Program. A year or so went by with my payments manageable in the IBR program when XXXX contacted me and said that I could no longer be in the IBR program because my consolidation included a small Parent Plus loan. I have learned that XXXX did not catch the Parent Plus loan early and that they should have, but failed to see it. Each company that I worked with while consolidating had visual access to the list of loans that I have, but failed to be thorough and that inability or fault has caused me years of financial problems. I have {$170000.00} worth of students loans and much of this is due to interest that keeps growing. XXXX told me last week that I was scammed by a company that got paid for my consolidation in XX/XX/2014, and that this company did not follow the Federal guidelines that would help me repay my loans. I can not pay XXXX  {$500.00} per month and the repayment of my loans are at a standstill, in a three month deferment only, with no answers of how to resolve this problem that I did not cause. XXXX never told me about the reality of a scam until recently. I do believe that they have known for years of this scam, but instead have pressured me repeatedly to just comply and make the payments. The last person at XXXX that I spoke with was professional, but many have actually yelled at me and belittled me for complaint and asking questions. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am trying to transfer my credit card balance from American Express to XXXX for some reason American Express is not wanting the balance to be transferred. They have even been adding late fees for no reason. The first balance transfer request happened with discover on XX/XX/2018. Proof of timely payments to american express are included

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have spoken with Harris & Harris and they assured me they would stop attempting to call me regarding medical debt that I have disputed. In spite of that, they are now calling me at my place of employment. I want this harassment stopped immediately and a copy of this complaint is being filed with my attorney for possible litigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
My home equity loan was sold by XXXX XXXXXXXX XXXX to Rushmore loan  management services in XXXX, CA. in XXXX of this year. On their first billing Rushmore billed me {$50.00} each for annual fees for the years XXXX and XXXX. I told them that these fees had been paid to XXXX XXXX on a timely basis. They asked me to show proof. The only proof I have is that I was not dunned by the bank for. this payment. I told them repeatedly to talk w/XXXX   XXXX on this matter. Surely they have proof since these payments were drafted from my checking acct along w/my monthly payments. They apparently have not talked to XXXX XXXX. I have made my first payment to Rushmore, including the {$100.00} in dispute for fear that not doing so would harm my credit rating. I would like this amount to be refunded. It appears to me that the subject of fees was overlooked by the parties in the negotiations concerning the sale of the mortgages.It is my position that XXXX XXXX collected the fees ; how they processed them, or applied them is their business, and not mine. My sole obligation was to p [ ay the fees, which I did. 
Acct. # XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I received a {$36.00} overdraft fee for items posted on XX/XX/2018. I knew that my balance was low, and checked my online banking repeatedly to make sure I was not below the threshold which cause an overdraft fee ( which is negative {$5.00} ). At no point that day did my account show that I was that low. 

Today, I have a {$36.00} overdraft fee. And, in reviewing the account, all the charges appear accurate. My issue is, all of those charges were not showing yesterday. So my account did not reflect a low enough balance to trigger a fee in real time. 

My contention is that the bank should either show the transactions in real time. Or, if the transaction does not show on a date in real-time, it should not post on that date. When a debit appears one day retroactive, it gives the customer incorrect information and literally no time to make a correction. 

I don't have a screenshot from yesterday to reflect how the account appeared at the time. I wish I did. But I did speak to PNC 's customer service and they agree that this scenario is possible. However they don't deem it to be a bank error because the transaction totals are ultimately correct. I disagree and believe the {$36.00} charge should be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Please see the attached. 

The issue is the Mortgage company, PennyMac , LLC, falsely reported my home vacant and was directly responsible for my Home Owners ' insurance being cancelled, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom it may concern, Hope this day finds you well. 
I am a victim of Hurricaine Florence. I called to inform the Credit Card Chase Slate company to set up arrangements for payment.. First I want to explain I was misunderstood about the APR. % I understood I could try to get a lower percentage after 6 months. No one could do this. Not one time  have I been late in 2 years of having this Chase Slate Credit card. I have recently dealt with numerous hardships. Homeless XX/XX/2018 per a Landlord who claims he owes Federal and State taxes to IRS even though he verbally told me on phone for additional 1 year lease for my daughter to stay in the school she was attending.. A divorce on XX/XX/2018 and to follow Divorce hearing tommorrow XX/XX/2018, and Hurricaine Florence XX/XX/2018 that left my " paid '' car totalled out from water and electrical damage from flooding. The way I have been treated from this company has been very devastating I was basically the phone begging for help by 5 different " associates '' for approximately 5.5 hours only to be denied an  arrange for hardship only to be confused with paying them prior to my due date.. You see I am a XXXX XXXX and I can not miss work or sign a contract until after my divorce hearing tommorrow XX/XX/2018. So that means NO Income at this time. They had a XXXX payment coming out of my account for XX/XX/XXXX then XX/XX/2018 and XXXX XXXX dollar payments coming out of my account for XX/XX/2018 until I found that they did have hardship for hurricane. All I wanted to do was close my account and set up monthly payments near 200. Now it is XXXX a month. I can not pay this amount and I am trying not to let it affect my credit score. They keep denying me. I will send this letter to you in good faith if someone can please investigate. I am continually hearing that they can't do anything for me. I have to work. I do NOT have time for this anymore. It has caused intense stress and they belittled me many times over. They then referred me to a Credit counseling agency XXXX XXXX that required a higher percentage rate and informed me well that I can't buy a house with this credit until paid. Really? I lost my car, my home and divorce All in one month ... .. XXXX XXXX wants to Tell me that for about an hour on the phone too. I do not wish this for anyone else. 

Again Thank you for your time and have a good day. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I requested copies of my credit report from XXXX  & equifax XX/XX/XXXX that had many inaccurateies. I called them XXXX to dispute 2 visible items XXXX XXXX ( verison ) {$320.00} from XX/XX/XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with Equifax. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm indigent! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im a victim of idenity theft and they are not fixing the problem on my report they didnt remove anything.

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 2018-09-27 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.

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 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: MN

Complaint narrative:
A 60 day late was reported for one of my accounts while my account was in forbearance last year ( XX/XX/XXXX ). A late should not have been reported as no payment was due, and when payments resumed, all payments were made on time. I spoke with a XXXX XXXX representative and they went through my account to confirm this with me. 
The 60 day late reported XX/XX/XXXX. I made a forbearance request payment on XX/XX/XXXX and XX/XX/XXXX. ( I requested forbearance for two accounts, two times in a row at $ XXXX/each ). I believe this issue may have been a result of my account having previously been in forbearance with another forbearance requested immediately after. The dates are as follows : Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payments for the account resumed XX/XX/XXXX. 
I am requesting that you please look into this and remove the late with all three credit bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a Direct Dispute through XXXX XXXX 's dispute center, and according to XXXX XXXX, the dispute was reported to TransUnion on XX/XX/2018. I've periodically checked back on XXXX XXXX to look at the status. This is what it says every time : Your dispute request has been submitted to TransUnion and is currently waiting for their review. You should receive an update in the next few days regarding the status of your dispute request. 

If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. 

It also had provided a file complaint number I can provide. 

On XX/XX/2018 I called TransUnion dispute center and the woman said she had to knowledge of the dispute being place in the first place. She was not helpful. I called back and go in contact with the question/concern department and the woman said she couldn't find them either. 

I explained I have been waiting 60 days for a dispute report, just to find out it was never properly taken care of by TransUnion. All the woman offered was to restart the dispute again, and wait an additional thirty days for a response. 

Here is what is included in the dispute that was submitted to TransUnion on XX/XX/2018 : * XXXX {$2600.00} * XXXX {$230.00} * XXXX {$140.00} * XXXX  {$820.00} * XXXX XXXX   {$30.00} * XXXX XXXX {$130.00} * XXXX {$710.00} * XXXX {$120.00} *XXXX  {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had a debt that as that has turned into a time-barred debt. The collector XXXX XXXX  XXXX I believe has broken the law and has garnisheed my wages on a debt 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank has been applying my payments to the part of my balance that has a much lower APR, instead of paying-off the newer part of the balance that has a much higher APR ... I feel this is incredibly deceptive as well as unfair because it keeps that new, Higher APR purchase on the books essentially forever! This is on my Chase Slate card. I was under the impression that payments, by law, had to be applied to the higher APR portion? Furthermore, what is completely unfair is that Chase will not tell you your balance!! I called them 2x today, XX/XX/2018 to ask how I might keep track of the balances that have different APR 's, as I pay off my debt, and in the age of computers even they told me they would not offer that breakdown ... are you serious? It is clear to me that their process is intended to keep the customer either perpetually in debt or indebted as long as they possibly can. And they hamper your effort to better your debt situation. This is totally lame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been a long standing client with JP Morgan Chase Bank. I have had a banking relationship with them for over 15 years and my account has never suffered from an overdraft, low balance or any other account problem. 

On XX/XX/2018, I received a call from someone from XXXX XXXX from Chase Fraud Investigations questioning a series of transactions on my account. I explained to the representative that I recently got married in XXXX and the transactions were withdrawals to pay for wedding related expenses. After a brief conversation, we hung up the phone. 

About 2 weeks later I went to use my debit card at a store when my card was declined and the transaction did not go through. I contacted Chase and was informed that the bank had made a decision to close out my checking account. The only explanation I received was that the relationship is an at will relationship and the bank can choose to close out my account at any time with no explanation. I was in disbelief and outraged by this extreme course of action. I attempted to speak to a supervisor and unfortunately it went nowhere. Anyone I attempted to speak with only provided me with the same justification : the relationship is an at will relationship and that Chase bank has the right to close my account with no cause or explanation at any time. 

We are talking about a 15 year relationship. Additionally I have multiple credit cards and a mortgage through the bank - Which have all been maintained in very good standing. No late payments, no delinquencies or any other blemishes with the relationship. 

At that point I decided to contact the JP Morgan Chase executive office to further attempt to escalate this issue. I asked them if they have any questions or need any additional details, I would be happy to provided it but I was asked no follow up questions. Again, after a week of " investigating, '' they came back with the same line as they previously provided. 

I am seeking escalation of this matter and a reopening of my account. I am happy to provide additional details and information. Just because I got married isnt justification to close my deposit relationship that has only been maintained to the highest level. I believe this particular matter has been dealt with in the right channel within Chase bank and I am reaching out to ensure this is re-reviewed.

Company response to consumer: Closed with explanation