vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My LTV is at 77 %, I have never missed a mortgage payment, and have been paying PMI since XXXX. 

A written request to remove PMI from my conventional TIAA bank mortgage was denied, citing that I need my loan at 70 % LTV. 

My original written request was submitted in XX/XX/XXXX and just last week XXXX XX/XX/XXXX XXXX was the first time I was able to connect with the right person at TIAA to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I signed up for a $ XXXX {$300.00} checking bonus back in XXXX. I did my direct deposit of {$500.00} in XX/XX/XXXX. The terms say I should receive the bonus in 90 days. I've called into the branch multiple times and reps have confirmed I should have received by now. They were supposed to call me back 2 weeks ago and I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: KY

Complaint narrative:
I have disputed these 5 student loan accounts, they are validated through the credit bureaus, so someone can find them. Or they EdFinancial just rubber stamps as correct, factual and accurate. How can EdFinancial validate if they can't find them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I received a letter from my current mortgage company that I had been sold to Loan Care. 
This was effective XX/XX/XXXX. I contacted loan care on XX/XX/XXXX for an account number as I have not received anything from them in the US Mail. I was told theses things take time they had received a LARGE batch of these on XX/XX/XXXX and call back in a week or so. 
Today I called there is a 3 minute message that tells how to ask for forbearance what that means blah blah blah. Finally at the end after offering me the opportunity to apply for forbearance repeatedly it transferred me to the main menu. It asked for the last 4 of my social security number cause it recognized me. I entered that and then more automated prompts. None of which lead to customer support. One was for " insurance claims '' I press zero it says not an option. I press zero again it hangs up on me. I call back going thru the forbearance 3.5 minute speech AGAIN!. This time I press 4 for insurance. Then listen to several other prompts to finally get to a HUMAN BEING. 
After identifying myself to her I finally get my account number and am able to set up online access. I do so then I go to set up reoccurring payments and a message pops up that says " Auto draft enrollment will become available once past due payment amounts have been paid '' For REAL! See attached!!! 
Now legally I am NOT passed due I am not subject to a late fee and it is XX/XX/XXXX. If LoanCare were already my servicer then on Thursday XX/XX/XXXX I would be late and would have a late fee. However Federal Law is crystal clear on service transferring and no late fees may collected and not late reporting may be done during the process. And to TOP IT ALL OFF loan care did not provide a current mortgage statement for XX/XX/XXXX. They did not have their JOB DONE AND MY LOAN ON THE BOOKS WHEN THEY WERE REQUIRED TO DO SO. 
In closing theXX/XX/XXXX0 payment was made this morning as soon as I had access to the loan.

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 2020-04-13 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: Statebridge Company
State: IL

Complaint narrative:
Loan was discharged in XXXX Bankruptcy Statebridge purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB Statebridges records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I did not give permission to run my credit. We were having a dialogue. Where I did not explicitly give permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: MS

Complaint narrative:
On XX/XX/20, I saw a sponsored ad on XXXX for an item and clicked the ad to see more info. I originally thought, " Wow, this is a great deal! '' so I used the AMEX Serve card to order the product. I realized about 10 minutes after receiving the confirmation email and reading comments that this was a fraudulent company. Sure enough, the ad was a scam so immediately emailed the company to cancel my order. The company was obviously based in XXXX somewhere because of the language used in the " confirmation email '' so I couldn't just call them over the phone. 

The order was processed through the XXXX app and charged {$83.00} to the Serve card. XXXX wasn't responsible and referred me to American Express Serve. The scam company never responded to any of my emails so I filed a Fraud Incident with AMEX SERVE to get my money back. I had to provide as much detail about the purchase as possible and about 2 weeks later received a DENIAL of the fraud claim. According to SERVE, I authorized the transaction so it wasn't fraudulent. 

I immediately called the Fraud Dept because obviously I didn't agree with their determination and the claim was re-opened. Had this been a traditional bank account, they would have sided with me & refunded the money! This time, I provided even more detail, screenshots of the emails and XXXX page no longer existing. I showed the website that linked to my specific order was now showing " the XXXX XXXX No Longer Exists ''. 

I also filed a police report/complaint and sent it to AMEX. 

It's been over 2 weeks and still no response from SERVE on whether they will refund my {$82.00}. When you call, it's a long hold time or disconnected during the transfer. This is so frustrating because AMEX usually has decent protection for their customers that shop online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a XXXX XXXX credit card to purchase an engagement ring for {$15000.00} because of it's promotion of 0 % interest for 12 months. If the balance is paid in full in 12 months ( XX/XX/2020 ), no interest will be charged. First off, their online system does not allow automatic payments, but instead you can only schedule ONE payment ahead of time, making it very hard to keep track of your payments. Ok, come XX/XX/2020 I was in the process of disputing a {$38.00} late fee. I scheduled to make full payments to pay off the balance on time. After I scheduled my payment, I was also charged a {$2.00} interest charge on my late fee. As of XX/XX/2020, my balance of $ XXXX was paid off, except for {$40.00}. It was because they did not waive my late fee and the interest charge, not the original balance. Because of this, they proceeded to charge me the entire deferred interest amount of {$4000.00} and are refusing to remove it. I have contacted them multiple times and they are refusing to work with me, especially during the national crisis. I can not file a lawsuit as the courts are closed, and they are continuing to charge me interest month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank is the bank I have a complaint about, I currently have a credit card with Citi Bank and then I was offered an online checking acct so I decided to sign up for the checking acct back in XX/XX/2019. 

So just this month ( XXXX ) suddenly I receive a notice that I have a overdraft fee of {$34.00} that was caused by a monthly fee of {$30.00}. So I immediately try to contact the bank to discuss and tell them I was never advised of such a fee nor charged a monthly and its impossible to get thru online on phone and due to current events in person. 

I believe this is profiteering I will not a monthly fee of XXXX that i was not told of or charged this is a scam. 

Please help me.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Due to the Covid-19 I have not worked in over a month. I filed with chase for relief I am officially late 1 month. I paid on line they only took the principle & interest. I thought I was all set but today XX/XX/20 I received 2 Certified letters demanding {$2700.00} or they are going to move toward foreclosure. When I went to the website last week to pay $ 1400.00+ it would not allow me to do so, it would only allow me to pay the full amount. It then took the principle & interest, even though I attempted to pay more, I called Chase to deal with this several weeks ago and was put on hold for 3.5 hours then for no reason I was cut off. I reached out to a friend who sent me the link for relief. I filed it but that didn't seem to matter. 


I was under the understanding the federal Govt created some protections but apparently not. If they did it didn't stop Chase from sending these certified letters threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I tried to check my credit report with TransUnion on XX/XX/20. Their website used deceptive tactics, routing me to sign up for credit monitoring service without ever stating that it would charge me {$19.00} per month. Their website asked for my credit card information, however the website never notified me that TransUnion would charge me a monthly fee, and it instead appeared that my credit card information was needed to obtain my credit report. When I received my TransUnion credit report, I never received any notification that I had signed up for a monthly fee, nor did I receive an email receipt stating this charge. When I checked my credit card transactions the next day, a {$19.00} charge was listed from TransUnion. I then went to the TransUnion website, logged in, and found it exceedingly difficult to cancel this subscription, as the link was hidden away in a page ostensibly unrelated to billing or subscription services. I then called TransUnion to dispute the charge, however I remained on hold for over an hour. 

After looking into this issue, it appears that TransUnion has used similar tactics to have customers unknowingly sign up for services in the past ( see an example here, which I found was written up on cleveland.com https : 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 2020-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
To Whom it may concern, I financed a Motorcycle at my Yamaha Dealer, the original loan was serviced through XXXX XXXX  Account No XXXX. In XXXX of 2020 I received a letter from Yamaha Financial Services they had taken over the loan from XXXX XXXX. On a letter dated XX/XX/2020 I received notice from Yamaha Financial Services showing my account Number had Changed to XXXX which is what I sent my next Payment to. The correct Account number should have been XXXX. Yamaha has lost a payment due to them sending me the wrong account number or they credited it to the wrong account number. After multiple calls, e-mails and letters, I keep getting delinquent payment notices from Yamaha. The refuse to acknowledge their error. I have attached paperwork showing no missed payments including bank statements. My latest Yamaha financial statement now shows 2 missed payments, it's like they're making this up to spite me. All I ever get for a response is they're researching it. 

Thank You XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT XXXX XXXX LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on 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 2020-04-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: IL

Complaint narrative:
Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on 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 non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO

Complaint narrative:
At XXXX XXXX XX/XX/2020 I received a call from XXXX XXXX who began threatening me that his client would pursue actions against me if i did not work with him on resolving an account his company had purchased. I advised I had done no business with his company XXXX XXXX nor Crown Asset Mgt and did not feel comfortable going forward due to the fact a business whom ive not conducted business with had all my personal info and was willing to devolve it to someone who answers a phone and no verification. Then XXXX XXXX got upset because i asked questions about who the company was he stated and said that I had no business with them. He became more aggressive and stated he will notate the account refusal to pay and threatened more actions were to follow. I asked for his contact info he rudely replied look at your caller id. The supervisor XXXX XXXX snatched the phone from the previous rep XXXX XXXX and too was very rude over talking me and stating he will just notate the account refusal to pay and nothing else needed to be said and told the rep XXXX hang up on her, disconnect the line ( several times ). This company has called numerous times a day and when answered they would hang up and not say anything. I had to get a new phone to stop the harassment but got the call today and someone actually spoke leading to the unruly attack on my credit and livelihood at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company has previously removed two items from XXXX that were listed on my credit report. They have now put them back on my credit report with new dates .... showing I paid them money. Which I DID NOT> they are attempting to put this debt back on my records again after the 10 year period. I contacted them via the credit agencies and again via telephone and again via a letter. They have refused to remove and have refused to adjust the dates they are showing which are incorrect and absolutely not right. 
There are 2 of these showing on my credit report again from them ... ... This is totally not fair .... 

Portfolio Recovery Associates  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number XXXX  XXXX Date Opened XX/XX/XXXX High Credit {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I was sent a phishing email impersonating XXXX along with a letter from TRS Recovery Services in XXXX, GA stating that they were collecting debt on XXXX  behalf. I contacted XXXX who told me it was a scam and they never tried to collect any debts from me. I'd like to report TRS Recovery Services to CFPB for their involvement.

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 2020-04-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation