vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX

Complaint narrative:
IBERIABANK Accountnumber XXXX .... failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, IBERIABANK " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and  the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) IBERIABANK failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve IBERIABANK is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX. ) citing XXXX XXXX XXXX XXXX XXXX XXXX ( TXXXX 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 2017-11-07 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: Eastern Revenue, Inc.
State: SC

Complaint narrative:
I just recently found this item on my credit and I called the company only to get a rude and unprofessional agent, who threw then to take me to court and ruin my credit over an item I explained that wasnt mine and isnt accurate. The rep hung up on me after I advised that by law they have to send me proof of debt. Im writing this to inform the collection agency that I have no acknowledgment of this matter and I am refusing responsibility of this issue and they need to remove this inaccurate information from my credit otherwise I will be speaking with an attorney and filing a lawsuit against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
This is just a continued general complaint about the company that services my loan, XXXX XXXX. Accomplishing anything with them is always a process. 

I am taking class through my employer and it put my loans in deferment. I called to ask to just continue to pay anyway. They could n't do that over the phone. They led me online where I should have been able to do it. Their new website is awful, and not user friendly. I could not find what I needed to check even after being given step by step instructions. Eventually, they did it for me over the phone, but why was n't that just offered upfront since we had gone through all the security clearances. I am afraid its an attempt to keep the balance higher to recoup the most interest money possible. Very shady. 

Today, I got an e-mail about getting my tax documents delivered electronically. This is ideas, so I went to sign the form online. It would not work, so I talked to customer service. I told them I did n't know my student ID as I have been out of school now for a few years, but I had filled in the SS #. Apparently the form would n't let me submit without. I was told they could not access it ( but how are you using it as a check then? ).  The they said I should be able to see it on my promissory note. One problem, remember that awful website? It would let me access. They say it 's because of an ad blocker but I disabled it AND tried a different web browser. THEN, I realize I am already in electronic delivery. They were in my account, but no one was like oh you already do that, so you 're good. 

Overall, I think this company is awful and not serving the best interests of student, and should be looked into. All I am trying to do is pay my loans on time, and they keep making it more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is the bank I will no longer bank with. 

On XX/XX/XXXX I had a negative charge of XXXX and I deposited {$10.00} to make it positive. 

I awoke to find out my bank account is negative XXXX. This is because of two overdraft charges that should n't be because I took care of it {$34.00} each one for XXXX which was the negative charge and the other was XXXX XXXX which was taken care of because I originally had them stick to their XXXX when I paid a {$30.00} stop payment on XXXX XXXX. 

Now I have this charge when I paid a {$30.00} stop payment and I covered the negative {$9.00} something. 

Please take care of this as I have never had a problem like this in which I wake up to this disaster. I am so upset that I woke up to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson, Watson & Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX, NELSON , WATSON & ASSOCIATES , LLC AREVIOLATING THE " DODD-FRANK ACT BY COVERING UO FOR XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND OTHERS, RESPECTIVELY!

Company response to consumer: Untimely response
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The car was sold and paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I submitted an application to revise my payment plan from IDR to PAYE/ REPAYE on XX/XX/XXXX. My IDR payment amount was about {$540.00}. I had NO choice but to allow my account to go into forbearance to permit this.
At the beginning of XX/XX/XXXX when I got updated information, I spoke with a customer service rep which told me I had no choice but to pay a forbearance amount that would NOT count towards my PSLF. If I paid, I would have my new repayment amount for XX/XX/XXXX. The amount wouldnt be direct debit, so Id have to pay manually. I signed in and paid {$540.00} on XX/XX/XXXX. It was due XX/XX/XXXX.
At the end of XX/XX/XXXX around the XXXX or XXXX, I called FedLoan again to ask when I would know my new repayment amount and roughly the amount. They told me about {$470.00} and I should know within 2 weeks.
This morning I received an email for payment. I signed in expecting to see my new repayment amount, but instead I see they are charging me {$970.00}. Panicked, I called to find out if there was some error that they would easily fix.
I was told they couldnt process my new plan in time, so I now have 2 choices : choose forbeance and delay my PSLF by yet another month, or pay {$970.00}. My new repayment plan will probably start in XX/XX/XXXX.
I asked why its done this way each time Ive called. Each time Im told this is the way the federal government chooses to do it. This is extremely discouraging. I opted to change my repayment plan to help improve my situation. If Id known it required essentially delaying my PSLF by 2 months and mountains of stress, I probably wouldnt have done it. This process is disheartening and demoralizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I made additional principal payments with my previous loan servicing company - XXXX XXXX XXXX. Those payments were made on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they total {$11000.00}. On XXXX/XXXX/XXXX my loan was transferred to another service bank - Flagstar Bank. Flagstar Bank has the wrong principal balance. They do not have the {$11000.00} of payments on the account. I talked to their customer service a few times and every time they tell me to contact my previous loan service company and ask XXXX to send Flagstar the missing payments. I talked to XXXX XXXX XXXX a few times already and they keep telling me they have send the {$11000.00} to Flagstar. I told this Flagstar and I asked them to take the necessary steps and obtain the missing information and payments. I asked Flagstar to contact XXXX  and work with them but they would n't do that. They are not taking any additional steps to resolve this issue. I have also send Flagstar the following ledger and amortization schedule that I obtained from XXXX as a proof.

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 2017-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Amscot Corporation
State: FL

Complaint narrative:
Repeatedly contacted me and my employer about a debt that I incurred due to the hurricane cutting off my earning potential.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I started the process of refinancing to cash out equity with XXXX XXXX XXXX on XXXX XXXX, XXXX. I was told that I called in at the " perfect time ''. The lender was offering a 2 % lender credit with a rate of 3.85 %. Plus the loan officer found a way to get the lender to pay for an appraisal. My appraisal came in and everything looked great. We were then informed that our loan amount would put us in a jumbo loan and that the rate would be much higher, no lender credits would be given and the {$1000.00} appraisal is now on us to pay at closing. I feel like this is bait and switch. The facts on our end have n't changed. Also to be noted is that the switch happened nearly a month in and it 's now been 56 days with still no closing date in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The transactions are not in order and some are not processed immediately unlike others and it seems weird.

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 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: PA

Complaint narrative:
Our current mortgage service has been problematic since the onset. They have claimed we were behind on payments for the beginning. We have exhausted all means to rectify the issue and have had no help or resolution. We have consistently requested an accounting for the payments we have submitted and they will not provide the information. Due to the companys start up nature, they are not effective at communicating with customers. We were facing financial hardships while out of work for XXXX issues, they would only offer a modification to the loan and no forbearance or deferment. Causing a worst financial situation for our overall experience, they sent our loan to a lawyer and treathtend foreclosure on 3 occasion. We have settled all back payments, however we believe we have over paid and they will not send us an accounting for our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C.
State: TN

Complaint narrative:
This company Wilber and Associates took money from me by making a false promise that I would not have my license suspended by the state if I paid them a certain amount by a certain date. I gave them exactly what they asked for and they did the exact opposite of what they told me that they would. They put me in an indigent situation and now they are they did not do what they promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
In XXXX XXXX I was sued for {$2500.00} on a hospital bill. The company of Works and Lentz garnished my paycheck starting in XXXX XXXX for 25 % of my biweekly income. The garnishment stayed in place until the it was paid on XXXX XXXX, XXXX. I received no notification from Works and Lentz that there was a {$28.00} interest charge due on the account after this time. On XXXX/XXXX/XXXX my check was garnished {$310.00} from Works and Lentz and when I called to see why, I was told it was due to this {$28.00} interest payment that was " left over '' and that once the payment from my employer was received the garnishment would be release immediately. I called on XXXX/XXXX/XXXX and was advised that the {$310.00} payment had been received from my employer, but now it would take 7-10 business days to get the information to my employer to release the garnishment, therefore meaning that my payroll check will again be garnished 25 % on XXXX/XXXX/XXXX, and this company will get around if not more than {$600.00} on a {$28.00} interest fee we were never informed about. Then I will have to wait 30 days to receive any type of refund from Works and Lentz for the amount that was paid over.

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 2017-11-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Citi Best Buy card and was denied credit. I have an XXXX credit score with no derogatory information ever. The reason provided was " Too many inquiries. '' I pulled my credit from XXXX where Citi also said they get their credit and there are only 3 inquiries for the year. 

Upon complaining about this to Citi on XX/XX/XXXX/17, I was called back by a supervisor telling me that underwriting had reviewed my application and confirmed it should be denied for " Too many inquiries. '' I read the 3 inquiries on my application but the supervisor refused to tell me if those were the 3 she saw. She did however admit there were only 3 for the year.
I then asked what the policy is for too many inquires as I find it hard to believe that having 3 credit inquiries for the entire year is a valid reason for denying credit. The supervisor refused to tell me the policy and said it is different for everyone.
I believe that Citi is deliberately denying me credit because I have an A+ score and I pay my promotional accounts on time so they are unable to profit from me. 

The Citibank credit application reference number 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 2017-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: MA

Complaint narrative:
2. Ive leased three or four black VW Jettas through VW Credit over the last 12 or so years. The most recent vehicle is a XXXX Jetta, the lease on which ended XXXX XXXX 

3. Over the summer the dealership representative made multiple calls each week urging me to get out of the lease early and take on a new lease with lower monthly payments. Each time he called, the number was a little lower. 

4. I was reluctant to lease a VW again because of a serious problem with the fuel pump that caused the vehicle to stop dead on the XXXX XXXX at rush hour. It had previously shut down, but not in such a dangerous situation. I asked the dealership to check it ; they claimed no problem. 

5. The dealership representative was the one who mentioned the fuel pump problem and said that VW was keeping it quiet. A friend had a similar situation with a shutdown on XXXX XXXX. 

6. Over the course of dealership representatives calls, I neither made the monthly payments nor did I open VW envelopes because I normally pay the same amount directly from my bank. I dont take calls from 800 numbers, so I had no warning when VW seized the car XX/XX/XXXX. No reason for not making payments, I simply didnt think about it. 

7. I offered to pay the outstanding lease amount ( and an excise tax bill for the vehicle ) which totaled {$1200.00} and change. 

8. XXXX of the VW Credit Active Resolution Team ( XXXX ) informed me XX/XX/XXXX that because the end of the lease was so close, I am obliged to pay {$15000.00} ( plus compensation for other expenses ) in order to retrieve the car. 

9. It doesnt strike me as remotely reasonable to pay close to {$30000.00} to acquire a three-year old Jetta with a serious problem for that amount. That amount includes the cash I already have into the car. 

10. In the meantime, my credit has been destroyed. 

If you need other documentation, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried about 10times already to remove inquiries that was not authorized by me or I was aware of. XXXX and XXXX have done so however TransUnion is a lost cause. I have told them they were not done by me I have called the companies each over an over but they tell me to call the bureau back to dispute since there is nothing on file on me however I have done that so many times Im sick of it already. Please remove these inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX SYXXXXCB XXXX/XXXX/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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number Address 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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 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: IA

Complaint narrative:
I called Trans union on XX/X/2017 due to the 2 separate glitches they had removing credit inquiries from my credit report and the credit inquiries appearing again after the glitches were recognized. I was not notified of the reappearance and spoke with XXXX at XXXX and XXXX from Pennsylvania at XXXX on XX/XX/2017

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