vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: COMMERCE BANK
State: MO

Complaint narrative:
I worked for Commerce Bank I recieved a loan from this bank i worked in the same department for two years which was installment loan collections. I put my two weeks notice in XX/XX/XXXX they let me go a week before my two weeks was up on XX/XX/XXXX. All of my car payments have been made prior to 65 days past due until recent. I made a partcial payment for XX/XX/XXXX leaving me with less that {$180.00} when my car payment was {$470.00}. I fell behind for a full payment for XX/XX/XXXX and XX/XX/XXXX. They put my car out for reposession at 65 days past due. My account being an employee or ex employee is being handled by my co workers that i worked with daily instead of management. When they claimed that my car was repoed because of no communication. I advised them that due to the hostile work enviornment and the way they choose to terminate my employment I chose not to speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended the University of XXXX from XXXX XXXX. 
With high-pressure tactics from the schools recruiter. They highly recommended that I should attend this particular college, and that all of my schooling would be fully funded, and they would help me find a great paying job from their Employment placement program. 

They mentioned even though they have the lowest tuition cost, and the highest graduation rates, I would not have to pay for my school loans until I found a job that salaried me at least {$50000.00} under their Employment placement program. 

Unfortunately, the school loan University of XXXX promised was fully paid for was not true. There were a few classes where my tuition ran short and I had to find the money to pay for it out of my own pocket if I wanted to continue my education. 

Moreover, the final cost of my school loans has grossed double ( due to high interest rates XXXX to what was initially owed. 

Due to lack of funds and a steady paying job, I ended up filling Chapter XXXX Bankruptcy in XXXX and XXXX XXXX back in XXXX. I completed the payment plan. 
During the court proceedings, I had to go through a XXXX XXXX to determine if I am financially unstable to payback my student loans as well as maintain a minimal standard of living. 

I was approved, and The University of XXXX was added to that Bankruptcy and was deemed as an Undue Hardship. 

When I pull up my credit report, Sallie Mae ( Now known as Navient ), and the U.S. Department of Education both show on my credit report as Included in Bankruptcy. However, it still show that I owe {$84000.00} as debt on my credit file. I even logged on to my Navient account and it still shows that I owe close to {$85000.00}. When I spoke to a Navient rep on the phone and explained to her that my dept was included in my Bankruptcy due to Undue Hardship. She said this was not true, and that no federal loan can be discharged in a bankruptcy. 

On my credit report, I have 11 closed Navient Accounts that show I have a balance totaling {$84000.00}. Then I have an additional 8 closed Navient Accounts that references the Navient account was included/discharged in my Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
AMEXPRESS took out money from my XXXX debit card twice for XXXX on the same day the XX/XX/XXXX or the XX/XX/XXXX and I called them and asked them why they went into my account and return my money that they claim XXXX supposedly took out, I immediately called XXXX and XXXX immediately gave me my money back XXXX XXXX and XXXX are two separate companies XXXX   have nothing to do with XXXX return of my money back to my account. My account was closed when XXXX returned my refund of XXXX DOLLARS. I asked AMEXPRESS would they mail me my money they sid they would and never did.

I asked them to put my money on my Blue Bird account and they said they could not. I no longer have neither a Serve or BlueBird account I closed them both. I just can not believe AMEXPRESS stole and took my XXXX dollars and lying saying they gave me my money and trying to pretend the XXXX was returned by them when XXXX put that XXXX cents in my account and lied and said, XXXX took out money for their services. XXXX gave me my entire XXXX dollars  back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.

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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I spoke with a representative XX/XX/2019 at XXXX XXXX and agreed to a payment plan they called my work number and I told them to remove that number immediately, after making the payment arrangement the day prior they called me yet again at XX/XX/2019 at XXXX XXXX I was so upset there is no reason they need to call me when the first payment isn't due until XX/XX/2019 and why they feel they need to call my phone at XXXX in the morning, I attached two screenshots of the incoming call from their XXXX number calling at XXXX the company is Middland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been working with XXXX XXXX XXXX. According to there records, the current debt has been resolved. I believe the debt collector is opening this account again, so as to get money from me in an illegal manner. XXXX XXXX XXXX has settled this account, so how did LVNV FUNDING LLC get this account. This illegal account has caused my credit score to decrease by over 40 points. I have to pay an outrages interest rate on a new vehicle I purchased. I have done research on this company and found there are a lot of complaints, ranging from harassment to fraudulent credit reporting. The amount they claim I owe is {$3900.00}. Also according to their records my last payment date was XX/XX/19. 
I have not made this payment, which means XXXX XXXX XXXX could be the only way they recieved a payment. According to XXXX XXXX XXXX, if this is an accurate account then the debt is settled. I believe LVNV Funding is trying to get money from XXXXXXXX XXXX XXXX and from me. 
Would you please look into this and find what is actually going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: MS

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Thank you for your time. I used the Barclycard Arrival + card for payments at a hotel stay. This is travel card that advertises that travel-related expenses, specifically hotels, can be paid with points. When I tried to pay the card balance with points, the card company would not allow points. They said that this is not considered a travel expense because the merchant did not classify the charge as a travel expense. So even though it was clearly and admittedly at a hotel, they did not honor their promise to allow for points payments for hotel charges. They advertised one thing and got me to sign up, and in the small print they did something different. Deceptive.

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 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
When my mortgage company transferred servicing there was some confusion. I recently applied for a refinance with the mortgage broker who helped me purchase the property. The credit report shows I was late on XXXX and XXXX payments and currently past due. This has dropped my scores by almost 100 points and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
PennyMac received {$470.00} in prepaid interest when they bought my mortgage from XXXX XXXX on XX/XX/XXXX. The loan was almost completely paid off on XX/XX/XXXX. But a recent payoff demand statement does not account for the pre-paid interest collected at closing. Is it possible that PennyMacs system just ignores prepaid interest they receive and customers dont notice it because they usually dont pay their loans off immediately? 

please ask PennyMac to explain the payoff calculation. If you think an investigation of their system is in order because this is a general practice, that also would make sense. 

here is the history of my loan all of these dates and values are from PennyMacs website : XX/XX/19 new loan, balance {$230000.00}. {$850.00} collected as prepaid interest for XX/XX/XXXX XX/XX/19 loan sold to PennyMac who took a {$470.00} discount for 17 days of interest ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/19 principle pay-down of {$200000.00} XX/XX/19 principle pay-down of {$30000.00}XX/XX/19 regular payment of {$1800.00} of which {$120.00} was interest and {$1600.00} was principal. The remaining {$90.00} went to Escrow.

XX/XX/19 the principal balance is now below {$2500.00} and id like to pay the loan off.

XX/XX/19 Payoff demand letter shows : XXXX {$2400.00} principal balance ( correct ) XXXX ( {$9.00} ) interest due ( wrong! ) XXXX {$13.00} recording fee and release cost so, total interest ive paid is : {$850.00} + {$120.00} = {$970.00}.

with the loan almost completely paid off by XX/XX/XXXX, the total interest due on the mortgage is around {$580.00}. So i would expect an interest credit of around {$390.00}. However, the payoff demand letter shows an interest credit of less than {$10.00}. 

i would like PennyMac to explain where the other {$380.00} went or credit that to my account so i can pay off the loan. Numerous attempts to communicate with PennyMac have gone unanswered. 

again, if PennyMac routinely accepts prepaid interest without crediting customer accounts, then every PennyMac mortgage customer has lost this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A continuation of XXXX, Capital ONE calls/emails me everyday in attempt to collect on an amount that I do not owe. They have yet to retract the fees and interest accumulating on this account. The last and final payment on the card was paid via my XXXX credit account on XX/XX/XXXX in the amount of {$200.00}. I will submit a complaint from now on for everyday that they attempt to collect on something I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Greetings : This is a " recurring problem '' complaint pertaining to Consumer Reporting Agency ( CRA ) " Experian ''. 
Previously, I forwarded my concerns regarding XXXX XXXX 's continued, repeated and ongoing Section 611 ( a ) ( 5 ) ( B ) reporting violations committed by XXXX XXXX replacing its unsupported, erroneous data entries to my consumer credit report with new, additional erroneous data entries. See Experian 's Report # XXXX for XX/XX/XXXX. 
In summary fashion, the underlying ongoing XXXX XXXX 's " false certification practice '' was well documented and those relevant materials were attached to that investigation request. 
Subsequently, Experian notified me that they completed their investigation. 
In response to Experian 's investigation completion " dispute results '' notice, on XX/XX/XXXX, I filed and forwarded my Section 611 ( a ) ( 5 ) ( A ) request. I did not receive any responsive materials from Experian. 
More than 30 days passed without response from Experian, so I filed and forwarded a second Section 611 request to Experian with the same prejudicial and unfair results as highlighted above. 
This complaint follows for the " recurring problems '' regarding Experian 's non-compliance with FCRA. Thank you.

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 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America decided to close my account but keeps changing the closing day from XX/XX/2019 all the way to the date of this letter. I have bills to pay and ca not get my balance so I can get back to my normal life. When called they said that was the way they worked and I had to wait. I do not mind waiting but there has to be a date by which I should get my funds. They lie to me every time I speak to them by changing the date.

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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: MN

Complaint narrative:
On XX/XX/XXXX a letter was sent in the mail to me, which I received several days later. It stated that I owed this debt and that I had 30 days to dispute it. On XX/XX/XXXX, I wrote them a letter asking them to validate this debt and bring forth proof of the debt I supposedly owe. I have never received any validation and this was never placed on my credit report. On XX/XX/XXXX a letter was sent to me in the mail, which I received several days later. In this letter, the amount was higher, and there was no mention that I have 30 days to dispute this debt, again. On XX/XX/XXXX, I then sent them another letter which was notice of default, and stated since they failed to validate the debt back in XXXX, that they now can not collect on this debt, just because they changed the amount of the debt. Since they did not validate this debt, nor did they place it on my credit report back in XXXX, they are not able to collect on this unfounded debt. However, now they decided in XXXX to change the amount of the debt and not give me 30 days to dispute it, and went ahead and placed it on my credit report. This is in complete violation of the Fair Debt Collections Practices Act. They need to remove this from my credit report immediately and face consequences for not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.

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 2019-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called XXXX  to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late XX/XX/1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In the first week of XX/XX/2019 Bluebird by American Express ( Amex prepaid card service ) informed me that they would be closing my account and they mailed me a paper check for XXXX dollars. A few days later i lost the psper check and called the mid XXXX to ask if they could void that check and reissue one. The first time i called customer service transferred me to " account protection '' which then hung up on me. I tried again the next day in mid XXXX and spoke to a woman in account protection who told me she had to send my request to the " back office '' and that i should get an email telling me the next steps to take but that she could not give me any kind of time line for this process. 
It has now been almost one month since that phone call and i have not received any emails or any further communication from Bluebird by American Express. 
I sent their headquarters a written request, i filed s complaint with the MN attorney general and i filed a complaint with the XXXX. The attorney general told me to file a complsint with this agency as well. 
So far i hsve not heard of any responses by the company to either the Attorney General or XXXX.

Company response to consumer: Closed with monetary relief