vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 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: NE

Complaint narrative:
I consolidated all my loans to XXXX XXXX in XX/XX/XXXX to participate in PSLF and get a payment plan with IBR. In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, they were transferred again to FedLoan Servicing when I submitted my first employment certification. From XXXX, I was awarded a yearly XXXX XXXX XXXX Grant for my employment as a XXXX   XXXX. In the fall of each year during the grant period, a lump sum payment of several thousand dollars was made to my loans. Additionally, I also paid my monthly payments in a timely manner. Sometime in fall XXXX, I was on the phone with my servicer about payment plans. During that phone call, the customer service rep just happened to mention that I was on pay ahead status due to the lump sum payment made in XXXX. She also told me that due to the pay ahead status, I would not be given any credit for the payments where I was on pay ahead status even though I made them every month. I then asked never to be placed on pay ahead status. Due to that error and not knowing this was an issue, I missed out on 8 months that could have been calculated towards my 120 payments. I was able to narrow down the window of time from around XXXX/XXXX XXXX to about XXXX/XXXX XXXX payments were not considered for PSLF. At no time did XXXX XXXX, XXXX XXXX or FedLoan Servicing ( all three companies were holding my loans during the aforementioned time ) inform me that the lump sum payments would not be counted towards PSLF nor did they seek my consent to place me on pay ahead status. The additional 8 months is significant because that could mean I am eligible for loan forgiveness in XX/XX/XXXX rather than XX/XX/XXXX. This amounts to about {$2800.00} in potential overpayments. ( I won't even get into the times FedLoan Servicing put me in forebearance automatically when I was switching payments plans ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I had fallen behind on the payments for my car loan, and in XX/XX/2019 I was able to pay all past due charges, and fees. I had received a receipt of payment from the loan company and my account via their portal had updated to current. Several days later my car was repossessed, the company said they had previously issues a repo order and never cancelled it even after it was paid and current. They advised this was my fault for not calling their customer service dept to inform them of the payment even though you are directed to make payments through their portal. I was then given repossession fees I had to pay to their reinstatement department to have my vehicle released, and that they would have to be paid XXXX XXXX and I would have the car released once the payment was applied to my account for the fees. The fees came to a total of {$850.00}. I paid the fees, and the vehicle was released. I received an email saying that my next payment due date would be XX/XX/19. I logged into my account to pay in XX/XX/XXXX, but I had no bill due. I called customer service to make sure everything was in order with the account and was advised that yes, my next bill was actually due XX/XX/XXXX due to the restructure and payment I made prior to the car being repossessed. In XX/XX/XXXX I received a bill for {$450.00}. I logged into my account to see what this was because my normal payment is only {$350.00} It was listed as a miscellaneous fee, I called customer service and was told this was a repossession fee added in XX/XX/2019. I said that cant be correct, the issues with the car were in XX/XX/XXXX and I paid these fees. I asked to have the reinstatement dept reevaluate the fee, as I had proof of payment. I recieved another bill with the {$450.00} still on the account and now an additional misc fee of {$150.00} added in XX/XX/XXXX. My statement for XX/XX/XXXX is {$530.00}, again no explanation for what these added fees are. They are asking for {$1100.00}, when I should owe {$350.00} for XX/XX/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 2019-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX around XXXX my spouse was contacted by One Main Financial regarding an alleged debt. The company had contacted me numerous times and then seemingly stopped. However, the company again began contacting me and my wife constantly throughout the day, and before XXXX and after XXXX. I have requested they cease all attempts to contact me and they will not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My XXXX Mortgage payment was due XX/XX/2019. I paid the mortgage on the XXXX XXXX which is 29 days after the due date ( Only 28 days in XXXX ). My Mortgage company has filed a report stating I was 30 days late. This is incorrect. 

I queried it with the mortgage company who agreed that it was paid on XXXX XXXX and that it was 29 days late and not 30, but their policy is to report it if it goes into the next month. My Payment history on the web site shows it was paid on the XXXX XXXX - 29 days late, not 30. The statement on my credit report that I was 30 days late is incorrect. It was 29 days, regardless of the mortgage company policy. 

I filed a dispute with XXXX and it was denied by the Mortgage company. I called XXXX and explained the situation and the gave me the FTC number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these accounts aren't mines

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 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
A debt of {$100.00} dollars for services performed by XXXX XXXX XXXX was referred over to CONTINENTAL CREDIT CONTROL. CONTINENTAL CREDIT CONTROL has been trying to collect on the debt and adding interest charges to the amount. I confirmed with XXXX XXXX XXXX and they informed me that they do not collect interest on unpaid balances nor does any of their documentation state that unpaid balances are subject to interest fees. 
As a general rule, the addition of any interest, services fees, collection costs or other expenses incidental to the original debt is permitted when such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 U.S.C. 1692f ( 1 ) [ 808 ( 1 ) ].

In this case, it was not authorized by any agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My identity was stolen and used to attempt to open an account with XXXX. This appeared as an unauthorized credit inquiry on my credit report. I was contacted by XXXX as well as local law enforcement. See FTC Identity Theft report attached.

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 2019-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cash Security, Inc.
State: OK

Complaint narrative:
Company called job and stated her name at front desk. She was transferred to me.. She then asked her to not call me at my work. She stated she will continue to call.

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 2019-04-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I went to look for a car. I asked the dealer if the only ran my credit they said yes only them well they lied and sent my info to many different credit lenders i did not authroize and i contacted each one by mail no repsone and one did  reply and said i applied for a XXXX car and i have never even looked at a XXXX in my life so they also sent false information on my behalf also. It is damaging my credit for these unauthorized inquires on my report. they also did it in two different dates XX/XX/XXXX and XXXX and i didn't Authorize that it was from XXXX imports on XXXX XXXX XXXX Ohio XXXX and list of creditors are 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  twice on there XXXX XXXX XXXX XXXX on there twice XXXX XXXX on there twice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I opened a dispute with all 3 major credit reporting companies regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked them to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.

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 2019-04-30 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: GA

Complaint narrative:
I made several attempts to dispute incorrect late reporting to the credit agencies for the following accounts : XXXX is incorrectly showing 60 days late in XX/XX/XXXXand XX/XX/XXXX ; or XX/XX/XXXX showing 30 days late. 

XXXX 'XXXX  XXXX  XXXX is incorrectly showing 30 days late XX/XX/XXXX XXXX XXXX/XXXX XXXX is incorrectly showing 60 days late in XX/XX/XXXX. 

XXXX is incorrectly reporting XXXX XXXX XXXX 90 days late in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MT

Complaint narrative:
I am an existing client of Quicken Loans. In late XX/XX/2019, I was interested in acquiring a 2nd home and applied for pre-approval letter to get the process rolling. Spoke with loan officer, XXXX, originally, and stated I was interested in $ XXXX - $ XXXX. All was good. I was switched to a VIP Exec Mortgage Banker, XXXX XXXX and on XX/XX/2019 received a pre-approval letter stating approved for up to $ XXXX good through XX/XX/2019. I spoke with him on several occasions as I was unsure of what property I wanted to purchase wanting to keep options open. I was clear that I was looking in the {$50.00} - XXXX range. On XX/XX/XXXX, I sent a listing to him for a home for {$56000.00} asking for thoughts and value review. We then had a phone conversation where he stated they can't loan under essentially $ XXXX as fees can't exceed 5 % of loan and with certain 'flat fees ' the 5 % would be exceeded. Therefore, they couldn't write the mortgage. I was looking at other financing arrangements, simultaneously, but hadn't determined I wouldn't use Quicken if I chose a different property. The next thing I received was an email to review an updated notice on their website. I opened it to learn I had been rejected and several items pointed out on my credit report. Although, a new report had not been pulled and nothing had changed. I was shocked. I sent an email request to their customer service asking for an explanation of why I wasn't informed up front that they don't lend under $ XXXX and fees can't exceed 5 % and requested a breakdown of the " flat fees ''. A resolution advocate, XXXX XXXX, contacted me by phone stating I could call to dicuss. We, literally, played phone tag for almost a month. Yesterday, I reached my limit of patience and left her a voice mail stating I didn't need to discuss, I simply wanted a document stating the $ XXXX AND 5 % FEE confirmation. I received an email from her stating that are not able to provide what I was asking for. My concern is are they trying to up-sell and when I wasn't interested then they weren't interested in the small mortgage and created this excuse? Is it possible since I'm now a senior citizen, they are not interested and looked for a reason to deny a mortgage? I'd been fine if they had stated upfront $ XXXX XXXX is too small and I'd moved on. They kept me tied up for over 2 months, I missed some market opportunities and spent a considerable amount of time collecting the required documents and uploading to their website. They talked about once doing business with them it would be much easier in the future. I have a paid mortgage and a current 1 with them. I strongly question how this was either ethical or legal that this transaction was handled in such a fashion and it certainly wasn't easier. Thank you for your time and consideration. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple large online transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00}. Filed fraud claim with Chase Bank as soon as I noticed these charges. Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and later sent me a letter notifying me that these unauthorized transactions were valid because I received benefit from these transactions???? Around mid XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud XXXX XXXX XXXX. After calling the number, the XXXX said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. They did not provide me with information on what products or services were purchased/provided, nor could they tell me anything about the charging merchant ( only that they had my information such as name, email, phone number, etc ) and they want ME to PROVE I did not make these FRAUDULENT ONLINE transactions???? I filed a police report, I contacted the charging merchant who would not give me any information about anything, and now Im stuck with over {$12000.00} of credit card charges that I didnt do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, someone fraudulently transferred {$2100.00} through XXXX from my Bank of America checking account. I prepare taxes for a living ( so I was very busy on XX/XX/XXXX ), therefore I didn't discover the fraudulent transfer until XXXX XXXX on XX/XX/XXXX. I immediately called Bank of America about the fraudulent transfer. They put a " freeze '' on my checking account, gave me a claim number, gave me a new online ID and temporary password, told me that it would be 10 business days until they would/could give me a temporary credit. My husband and I went to a local Bank of America branch on XX/XX/XXXX to open a new checking account. The local Bank of America employee had me look in my phone at my email account, and we discovered in my trash email folder, an email ( that I had NOT AUTHORIZED ) confirming that " I sent {$2100.00} to XXXX, XXXX ''. He said that they most likely hacked into my XXXX email account through my cell phone. I changed all of my passwords, filed a police report and FBI report, put a freeze on my credit with all three credit bureaus per their advice. So on XX/XX/XXXX, I called Bank of America 's digital fraud department because that was the 10th business day, and they said that the claim was denied per the " investigator '' because the device that was used to authorize the fraudulent transfer, had been used to access my online banking back in XXXX and was also being used to access the BofA mobile app since the freeze took place. That is because it is MY cell phone that was hacked into! They reopened the case with the " new '' information and said that it would be resolved no later than XX/XX/XXXX. We have been customers with Bank of America for over 24 years with NO issues in the past ... ..I also never use XXXX transfers to send any money to anyone! My husband and I NEED this {$2100.00} back to cover our XXXX federal tax payment and additional bills! This has been RIDICULOUS!!! We were stolen from and now BofA is accusing us of being negligent and authorizing the fraudulent transfer! 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 monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX dba midland credit wrote- threatened to take me to court, forced me to call them- then threatened me again pretending to be a lawyer. XXXX XXXX abused TCPA after telling me they would stop. The settlement offer was on XXXX well above the XXXX owed after purchasing the debt for XXXX on the dollar. They have refused settlement since- all offer must by law- remove debt or have contract stipulation of debt removal before anything will be paid out. XXXX of XXXX is less than XXXX. XXXX refuses this settlement. They will however, slander my name- XXXX fine per month minimum and refuse to pay that to me. Therefore debt is nullified by actions of XXXX XXXX and MCM/encore- who are now moving across state lines. I move to seize business assets of all related companies for th emoney they owe me in reverse debt challenge- due and payable immeadiately in amount over 20 million per company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to bank of America-where I opened this account 4 days -ago, to ask for different questions because this bank changed my security questions and I could not get into my account, the lady there told me if I could bring the whole desk top into the bank- she could help me, the whole Pc weighs about 80 pounds, I can not lift over 10 pounds because of health reasons. She told me then ( it was nothing she could do ) I said close my account, she said she could do it and just gave me all the funds that I had in my account- had me to sign two papers in which I was so angry that I just signed -I trusted that she was closing my account, but she lied and did not. Now I am getting notice that I don't have enough in my banking 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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opened a dispute with Equifax regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked Equifax to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.

Company response to consumer: Closed with explanation