vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: DC

Complaint narrative:
I am submitting this complaint because XXXX has not corrected my inaccurate payment count for PSLF. 

I graduated from law school in XX/XX/XXXX and began public service employment in XX/XX/XXXX. My 2 Direct Loans that were consolidated on XX/XX/XXXX, with income-based payments beginning in XX/XX/XXXX. All of my employment since XX/XX/XXXX has been PSLF qualifying employment, and I remain in public service. These are the three outstanding issues with my PSLF payment count : First, under ineligible payments, it still shows that 6 of my payments for the subsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - and 4 payments for the unsubsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - because they were allegedly received " outside the payment window, '' but that does not make sense because my payments have been on auto pay and have always been due the XXXX, which is the date they were paid. 

Second, for both loans, it says " you did not have a bill due for this payment period '' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have one consolidated payment for both loans and I made a payment on XX/XX/XXXX and XX/XX/XXXX, which should both count for the XX/XX/XXXX and XX/XX/XXXX payments since they are within 15 days of the payment due date. I am reattaching my student loan history, please see pages 5-6 and page 10. 

Third, I was on income-based zero payments from XXXX as a result of my XXXX service. During those years, my loans were with XXXX XXXX XXXX. None of these payments are accounted for or showing up in my history in any way. I am supposed to receive credit for nearly 2 years of these XXXX payments - I intentionally signed up for income-based payments during these years for PSLF purposes- but they are not being added to my count. 

I have been in public service for over 11 years and have been making following the income-based repayment requirements throughout that time- please help me get the payments credited. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: SC

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX and I finish paying for it in XXXX XXXX I did not get a Title from XXXX XXXX . The suv was financed by the XXXX XXXX XXXX The XXXX was bought to use in my business : XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 
I paid XXXX for a copy of the title in XX/XX/XXXX, and when I did not get it I went to the XXXX XXXX XXXX XXXX and was told that there was leinhold on the Title. XX/XX/XXXX I call XXXX XXXX and was told that I would get the title in 10 day. 
After more than 6 weeks passed I called them again. I a still waiting on the title and ai a unable to sell the XXXX XXXX. I am still paying Auto Insurance and State Tax. 
Please help e to get my title '. XXXX XXXX XXXX XXXX # XXXX my email XXXX telephone XXXX XXXX Thanks for your help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I entered into a consumer credit transaction with Nissan Motor Acceptance Company on XX/XX/2018. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance but NMAC made me purchase insurance separately. NMAC is in violation of 15 USC 1692b ( 5 ) by using a symbol on the envelope and in the contents of communication mailed. NMAC is in violation of 15 USC 1692f ( 1 ) by trying to collect any amount. NMAC is in violation of 15 USC 1692e by false and misleading representations by having charges in a positive balance, by having 3 separate charges, and that non payment will result in seizure of property. NMAC is in violation of 15 USC 1692d ( 2 ) the use of obscene and profane language and 15 USC 1692d ( 1 ) the use or threat of use of criminal means to harm my reputation and by threatening to report a bad debt to a consumer reporting agency. NMAC is in violation of 15 USC 1611 for criminal liability for willful and knowing by failing to provide required information about finance charges and right to rescission NMAC is aware of violations and has proof in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
They are charging me a very high interest rate rate. I am the sole income in my family I called to try Lower the rate because I am having problems but instead the delayed one payment doubled up on the next plus charged me additional fee and interest which caused me more issue and not me more into debt plus the interest rate they are charging me is a predatory rate whos is illegal

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 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a {$240.00} payment to First Progress MC for a " secured '' credit card. It was a {$200.00} deposit into the account and the {$49.00} membership fee. I made one purchase with this card on XX/XX/XXXX and paid the balance in full the next day. The company only takes Bill Pay so I setup a bill payment account with my bank account at that time and made the payment. It took 21 days ( 3 weeks ) for the payment to post to my credit card account. I decided then that I would not use the card anymore because the payment takes too long to post. So, I put the card up and did not use it. I knew, however, that the {$49.00} annual fee would be due soon, but I was not worried about it because I was expecting to get the statement in the mail. Today, XX/XX/XXXX, I received a First Progress statement in the mail. This is the ONLY statement that I have received this year and my balance is {$110.00}. The company billed {$49.00} on XX/XX/XXXX for the membership fee, {$29.00} on XX/XX/XXXX for a late charge and {$40.00} on XX/XX/XXXX for an additional late charge for a total billed amount due of {$110.00}. I WAS LIVID!! I called First Progress and asked for a supervisor. So, XXXX ID # XXXX, gets on the phone and tells me that the company has mailed me sixteen statements beginning on XX/XX/XXXX. I told XXXX that I received that statement, but I have not received a statement since XX/XX/XXXX. Then XXXX tells me it is not his company 's fault that I did not get my statements and that there must be a problem with the mail delivery. I told XXXX that I received ALL my other bills in the mail this year, but I can not understand why I have not received one statement from First Progress until my account is past due. I assured him that I have not received any statements and can easily prove it. I signed up for the USPS Informed Delivery service- the post office creates images of the mail for that day and then emails the images to me each and every day there is mail service. There are NO images of any First Progress statements, except the one that I received today. I depend on receiving my bills in the mail and email so that I can remember when to pay them. And paying the {$49.00} is not the problem... the problem is that First Progress has not mailed any statements to me. XXXX then tells me that I would not receive a statement and it is my responsibility to pay my bills. I asked him then why did he tell me that XXXX statements have been mailed to me? And why does the company offer " Paperless '' Statements? Of course, he got smart. I told him that I was reporting this because whatever they are doing is a fraudulent business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for a new XXXX XXXX XXXX XXXX with the following welcome bonus offer and confirmed it in writing as well through customer service on XX/XX/2021. Transcript below : However, now the customer service is telling me they don't see any offer attached to my account. 

In this XXXX XXXX XXXX XXXX can earn : a ) XXXX Bonus Marriott Bonvoy Points after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. b ) Two bonus Free Night Awards from XXXX XXXX, you must use your XXXX XXXX XXXX American Express Card to complete {$5000.00} ( the Threshold Amount ) of eligible purchases within the first 3 months ( 92 days ) of Card Membership, based on the date of your Card approval. ~ Qualified Spend Amount : {$350.00} ~ Remaining Spend Amount : {$4600.00} The 92 days will be completed on Friday, XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received a text ( XXXX ) from Chase Bank fraud Dept. asking if I attempt {$200.00} at XXXX XXXX XXXX 2021 reply yes or no case XXXX reply yes or no to stop. Also on the same text another message read : Chase Bank Fraud alert XXXX payment in the amount of {$2000.00} if you made this transaction reply yes if not reply no. I responded NO via text. Immediately I received a phone call from ( XXXX a XXXX representative and told me that i need to reverse this zelle payment and that a XXXX XXXX had hacked my chase online zelle account. When i logged onto my chase zelle account XXXX XXXX name was on my account which confirmed that i was speaking to a legit XXXX representative. He then asked me to zelle myself {$2000.00} to put the money back into my account and after that he hung up. Thats when i realized i was hacked. He took {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AL

Complaint narrative:
yes I was told by the unemployment office that I would receive {$220.00} a week for unemployment benefit. I have been filing every Sunday since XXXX, and was approved for my money. I have been waiting for XXXX months now, and yet to receive my Alabama unemployment prepaid card in the mail, My family is struggling and really need this please someone read this. And can hopefully help me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
The alleged debt account was not reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. This is false and leading misrepresentation and accusing me of owing a debt that can not be validated. According to your information that you have gathered, the information is false and misleading towards me as a consumer and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX and I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY has reported an alleged debt in the amount of {$440.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. PORTFOLIO RECOVERY obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to PORTFOLIO RECOVERY on XX/XX/XXXX certified mail with green return receipts and I await a response. 
ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -ACCEPTANCE NOW # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sequoia Financial Services
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Sequoia Financial Services regarding collecting a Judgment that was filed against me in favor of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$13000.00} + Post Judgment Int. in the amount of {$13000.00} bringing the total Judgment amount of {$27000.00}. The day I received this letter was the first time I have ever been notified about the Judgment. I don't know what this Judgment is for nor have I ever been served a summons to appear in court for any lawsuit filed against me from XXXX XXXX XXXX XXXX. So on XX/XX/XXXX I sent a letter requesting Sequoia Financial Services to provide me with verification of this debt, which they have failed to do. I still haven't received any documents verifying this debt. However on XX/XX/XXXX I received a notice of involuntary XXXX XXXX XXXX of XXXX XXXX Registrar-Recorder/County Clerk 's office, that was filed on XX/XX/XXXX by XXXX XXXX XXXX & XXXX XXXX Which I have no idea who that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
Notice, I have reason to believe and do so believe that DISCOVER and anyone from the CFPB needs to respond to this affidavit POINT for POINT so reasonable rebuttal and sign under penalty of perjury that debt exceeds the amount of credit on this account that was created from MY original endorsement ; and notice again review all journal and ledger entries and please supply evidence showing cause that debt exceeds the amount of credit so be it all from the CFPB XXXX XXXX, XXXX XXXX, XXXX XXXX, and all from DISCOVER XXXX XXXX XXXX shall respond within the next 10 days as this matter has been ongoing for over 110 days. 
Notice, I have reason to believe and do so believe it would be impossible for DISCOVER to be the first creditor if i never signed as an endorser and gave my extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TX

Complaint narrative:
I filed a dispute on XX/XX/2021 with the following credit bureaus stating that the following items attached to this message did not belong to me and has inaccurately been placed on my account. I requested for them to please remove the items, however, no response. 
The credit companies are not complying with their on company policies within a timely manner.

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 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been waiting nearly 10 months for a decision on my short sale ( The process was started XX/XX/2021 and I'm still waiting for a resolution ). The mortgage company PHH continues to give me the run around by asking for additional information or more documentation. 

I've complied with their request each time, only for them to tell me that something else is missing from the file. Meanwhile, I continue to get requests to update bank statements and pay stubs because they have allowed it to expire during the review of my file. I have months of emails back and forth with them providing the information as requested, yet I still have no answer. 

I continue to call and get a new person to answer the call, only for them to give me incomplete or inaccurate information. 

The inefficiency and lack of customer service to facilitate the short sale of my home make PHH Mortgage Service the absolute worst company to work with in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have had an account with Capital One since 2003, accumulating significant reward points. Over the years my account was on autopay and I assumed everything was good. I got a letter dated XX/XX/XXXX saying that my account was closed due to non usage. I called Capital One at XXXX at XXXX PST today as soon as I got the letter. I tried to get my reward points back or card reactivated. I was told they sent me a letter in XXXX saying they would close my account if I didn't use it. I never received such a letter. I informed them as such otherwise I would have at the very least cashed in on my thousands of points. They told me nothing could be done and my reward points were lost. The value of those points exceeds {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TX

Complaint narrative:
COMPANY IS REPORTING INFORMATION TO MY REPORT THAT EXTENDS FROM MY INFORMATION BEING LEAKED IN A DATA REPORT. PLEASE DELETE FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I tried to file this complaint on yesterday and show that before it can even be investigated that it has already been closed by the CFPB. This service come is bad. When I go on line and report to the XXXX there are hundreds of complaints of the poor service they do for the consumer. My complaint is still that they add fees and charges and hold payments for months and then report that you are late to the credit bureaus. This information is not true and I have sent them the factual information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The funds were available in my bank account. Each week around {$1000.00} is deposited into my XXXX account. I called XXXX  and questioning them as to why I never received any notifications, therefore I could not transfer funds. My account has always alerted me and I have not had this issue. XXXX had charged me over {$200.00} in fees and there has been over {$1400.00} deposited into my account and each time my account balance is negative afterwards and when asked why are checks that have been paid are still being ran they refuse to answer. I feel my account is being used for illegal activities I want this to be thoroughly investigated. The last time I had this issue with a bank ( XXXX XXXX ), there was illegal activities going on with my account and I am concern about my personal information as well. For the last XXXX weeks after my funds have been deposited, there are not any funds for me to even put gas in my car. I can not keep work due to me having patients and there being a shortage of XXXX as a result of the pandemic.

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