vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OR

Complaint narrative:
I am enrolled in the PSLF program. I ended employment with XXXX XXXX, a nonprofit in XXXX ) on XXXX/XXXX/2018 and used the weekend to move to Oregon where I began employment with the State of Oregon on XXXX/2018. MyFedLoan is telling me that since my auto payment was made on XXXX/XXXX/2018 I technically was not employed by either organization and my payment will not count towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have sent a payment of {$1000.00} on XX/XX/XXXX towards my mortgage principal via a 3 day wire transfer from my XXXX  XXXX XXXX account. My mortgage company is NewRez LLC. The payment was estimated to be received on XX/XX/XXXX. I have a confirmation from XXXX  XXXX XXXX that the payment was successfully transferred. I have also contacted NewRez several times and sent them the screenshot of my wire transfer confirmation twice. However they have no clue what is going on in their system and have not provided any satisfactory answer as of today XX/XX/XXXX. I have also confirmed and re-confirmed the wire transfer information to make sure the account numbers are correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have tried to send messages, have had multiple long attempts on the phone, and talking to Equifax people, I Still can not get logged in to make disputes with them on my credit report. I have done XXXX  Report on equifax and have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I own a C-Corp ( franchised quick serve restaurant ) which has an American Express card. They had a zero percent offer to entice the use of the card and a $ XXXX credit line. I used the card extensively and actually have charged $ XXXX on the card and paid $ XXXX. If they net 2 % on my charges they've already made {$1700.00} on my purchases. I still owe $ XXXX and the zero percent intro period expires next week. Our quick service restaurant opened in XXXX and I know the company can not pay off the $ XXXX and the interest rate reverted to 20 %. I wanted to get in front of this and ask them if they could lower the interest rate to something more reasonable like 9 % ; since the fed funds rate is 0 %, Amex can effectively borrow money from the XXXX for 0 %. 20 % seems usurious. They want to force me to enter some " relief program '' where the rate would be 5.9 % but it would impact my personal cards and personal credit rating. I have no balances over a couple XXXX dollars on my personal Amex Cards and I pay them off every month and have never been late since 2008. I am unclear why a C-corp I own entering relief program would impact my personal credit score. Additionally if I did enter the relief program to lower my rates to 5.9 % they would not tell me how much my credit lines would be reduced ( personal or the company 's ; I was told to wait and see on line in a few days how much they reduced my credit lines? ) -Needless to say I think it is unfair to have a C-corp 's credit and financials impact my personal credit score. There is supposed to be a shield of liability with a c-corp structure. 
-Force me into a " relief program '' to get 5.9 % and potential crush my credit score and credit lines. Essentially it's like they want me in this " relief program ''. I am unwilling to have it impact my personal credit score. Plus I still want to use their product as Amex usually is a good company to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
A debt collector called XXXX XXXX XXXX XXXX is garnishing my employment wages for {$16000.00} for a debt that is definitely not mine. The judgement is dated XX/XX/2010. Case XXXX. Please help this is not my debt! I have been monitoring my credit for many years and this is not even listed there. I am filing for a hearing with the Municipal Court to have this removed.

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 2021-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a voice mail from caller ID XXXX XXXX saying there was a {$200.00} charge on my Chase/Amazon card. The charge is on hold I should call the above number and have it taken off hold. They said my card was compromised. Call came in on XX/XX/2021 XXXX XXXX. Chase/Amazon said no problem with my card must be a spam call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$95.00} annual fee was paid XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.

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 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
Escrow analysis was done incorrectly. Taxes paid in lump sum not semi-annually, which deducted more than it should have from my escrow account creating a negative balance in my escrow and increasing my overall escrow payment. Illegally collecting more money than they should be. Requested a new escrow analysis and was never contacted by the company on any update at all. Just told there is no significant change. Escrow does not jump {$200.00} for no reason. I have attached previous escrow analysis documents to show the error in their payment of the taxes, which resulted in a much more significant shortage than it should have.

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 2021-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Someone used my Home Depot credit card which is underwritten by citibank. They went into the store without the card and charged a {$3300.00} refrigerator. I have disputed this charge multiple times and customer service refuses to return it. They are referring me back to the store, and the store is referring me back to citibank. They are now attempting to sue me for a purchase that I never made. Someone has been using my name for years for the purposes of identity theft fraud. Please see attached FTC affidavit!

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 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$75.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.

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 2021-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: R & R Collection Service, Inc.
State: CA

Complaint narrative:
R & R Collection agency Tried to tell me that I took a payday loan out on XX/XX/2014 did not provide me written information Did not provide me facts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: PA

Complaint narrative:
I received a few calls recently on my cellphone from people asking to speak with my mother. I asked what it was regarding or who was calling or what it was about, and they'd respond with the same script, " it's a personal matter and we can only discuss it with [ my mother ], now can I speak with her? '' This would go on and on until they'd hang up. Other times I'd tell them wrong number, don't call. Yet they kept calling. 

So today,XX/XX/XXXX at about XXXX, when I received the call, I decided to prod deeper on who this is. I asked my questions and they gave me the same script. So once they hung up on me, I called back. Told them I was in fact the person they were looking for ( I was not ), and they proceeded to ask me to verify ( my mother 's ) name, address, and social security number - all of which was accurate. I did not confirm, told them they had the wrong address and soc, and they refused to work further with me. I told them that they must, because they got my name correct. They hung up on me. 

I called again, with the same song and dance, but this time I claimed to be power of attorney for my mother. The rep, wanting proof, told me I could fax or email. I said email since that could give me info - it did. They wanted it emailed to XXXX. With quick research, unifinrs is a debt collection company based out of IL. I then began to grill this woman on the company, and she would stop to speak to somebody in the background. I made mention of this person in a flippant way, and he decided to get on the phone. A very aggressive man named XXXX. He refused to spell his last name, but it's pronounced XXXX, XXXX, or XXXX, I couldn't make it out. He then argued with me and gave me scripted lines as well when I'd ask for information about what the calls are regarding. He hangs up on me. 

I continued calling back asking to speak with him, since he hung up on me. So that I may tell him to not call and that I'd be reporting him. Also to ask for his name spelled. I was put on hold and left there, so I kept calling asking for him. Finally reached him, he argued with me and when I said I was going to report them for harassment, he then said I was the one harassing them. He refused to spell his last name and we parted ways. 

With research, unifinrs specializes in old XXXX debt. This makes sense since the only thing in collections for my mother is an unjust and disputed XXXX bill from pre-XXXX. This company calls and harasses and spits out social security numbers, without stating who they are, when they call from spoof numbers, and are rude in the process, for debts that are over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX i had ongoing charges to my checking account via someone who had hacked my XXXX account which was linked to my bank and other financial institutions. The bank issues a new card and the charges continued. I assume they were able to get my online banking information. I filed a report with the fbi cyber crime website and contacted my bank to tell them this. The theif ended up taking XXXX from my account between XXXX XXXX and some other crypto currency websites that were unauthorized. The bank informed me yesterday that they will not be paying me back for those fraudulent charges. However they did pay me for XXXX that had been taken out 2 days before the XXXX was run through my account XXXX at a time for an entire day. How does that seem logical? No explanation what so ever they just flat out denied the charges.

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 2021-01-29 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: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I called Westlake Financial Services about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from Pelican Auto Finance. They told me that they brought they contract because Pelican went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XXXX XXXX and on the XXXX of XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed Pelican Auto Financed company. I asked them can they send the payment records from Pelican it looks like the payments started over as if I did not pay Pelican Auto which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.

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 2021-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On Monday, XX/XX/XXXX. a check was delivered to PHH Mortgage services, overnite payment office, received by the receptionist. Verified by XXXX XXXX, the check was for XXXX for XXXX and XXXX payments. I called on XX/XX/XXXX to verify and ask why it was not posted, the agent said he would send a message to cashiering dept. I emailed on Monday and Tuesday to the relationship manger email. I received two responses stating they received my emails. Today XX/XX/XXXX I have yet to receive any response or resolution. 
I called on XX/XX/XXXX and spoke to another agent checking on the status of the payment and if it was posted, I git the same answer, they are working on it and give them time. I called two more times, I requested an escalation manager on XX/XX/XXXX. Agent number XXXX, he said he will email cashiering and get back to me. He did not return my call XX/XX/XXXX or XX/XX/XXXX. I called on XX/XX/XXXX and spoke to agent XXXX, escalation manager, she rambled on about it being a process and they are working on it and there is no way to get a hold a chairing except through email. I was furious and said how the XXXX does it take one week to post a payment. This is illegal, this is disgraceful. So I wasted money on a XXXX XXXX  and wasted time and emotion all week trying to get payment posted. I need resolution. 
XXXX XXXX PHH account number 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 2021-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: ID

Complaint narrative:
XXXX does not disclose transfer schedules and wait times to transfer money in and out of account clearly. They hold onto money for unnecessarily long periods of time and cause financial harm by not having a system that operates continuously or reliably and has no customer support available. There system has many outages and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My Chime bank account was hacked and {$11000.00} was removed. 

Chime bank have not been cooperative in answering my questions as to how and when I was going to be made whole again with the money that was removed from my account. 

On XX/XX/2021 at approx. XXXX XXXX  I received a text msg from Chime with a security code which I had not requested. 

A few minutes later I received a 2nd security code. At this time I contacted my husband to see if he was trying to access the account and he said no. I then immediately phoned Chime support. 

While on the phone with support I received another text message stating that my email address on the account had been changed. Still on the phone with Chime I advised them of the text and advised her what my balance should be, she replied that there was nothing in the account. 

There were apparently 3 different transfers made at that time on XX/XX/2021 by someone without my authorization. At this time they told me to send copies of my ID to chime support which I did. 

I have been in contact with them daily attempting to get a status and an explanation of what was happening and how and when they were going to fix this situation and replace my funds that were stolen. 

At one point I received an email showing the 3 transfer transactions and also indicating 2 transfer returns totaling {$9100.00}. The 3rd transfer for {$2000.00} had still not been recovered at that time. 

During this time my account was locked from my first phone call when the email address had been changed from mine to someone else. Therefore I have had no access to the account to remove any of my funds that may have been returned. They would not answer questions but kept transferring me from one person to another and finally after days of phone calls they told me on Wednesday XX/XX/2021 that my account would be unlocked in 48 hours. By Wednesday night they had closed my account without explanation and I now have no way to contact them or to check on my balance. 

My concern is that I will not receive all of my funds that were in my account if I dont stay on top of this. There is no phone number I can call because I now have no active account due to their closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I had a phone bill with XXXX  which went into collections because of the financial situation I had. XXXX XXXX XXXX  report my account to FRANKLIN Collection account number XXXX. After my financial hardship was resolved, I contacted Franklin collection and resolved the bill. Frankrin agreed to delete this from my credit report through the credit agencies. Today, the account is still showing on my credit report as paid not not deleted as agreed. i have tried to resolve this with franklin to no success. Please assist so Franklin Collection can get this record deleted from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
I have an incorrect inquiry on my credit report that was not authorized. The inquiry has had a negative affect my credit report. Below is the unauthorized inquiry. 

EQUIFAX XXXX XXXX  XXXX XXXX -- XX/XX/19 XXXX  has also sent a request to Equifax to remove the inquiry off my credit report.

Company response to consumer: Closed with explanation