vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: NC

Complaint narrative:
XXXX has another ridiculous excuse not to do the modification on my loan. The first go around they were going to use gross income, actually gross is what they asked for on the application, but now they are not. They will only use {$400.00} out of {$1300.00} of my mothers Social Security. The reason is my mother must have prescription drugs she has to pay for on a monthly basis. True, she pays {$15.00} a month for her XXXX prescriptions, because she has prescription coverage with her Social Security. This is no reason not to use the full amount of income or at least the {$1200.00} my mother contributes monthly to our household. They only add just enough of my mothers income to keep the ratio over the percent needed to modify. They have tried everything including mistakes, not to do the modification of this overinflated loan and their added high-interest rate. Now they are moving forward to foreclosure and proceed with the sale. I sense some " age discrimination, '' or they are XXXX and can plan my mothers XXXX because XXXX said my mothers income is not secure. Well, my mothers Grandmother lived to a young secure age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: AL

Complaint narrative:
This letter is to dispute a Atm error on my account in the amount of {$740.00}. The amount is inaccurate because the ATM didnt dispense any funds. The transaction is ATM Withdrawal ( Transaction ID : XXXX ) XXXX/XXXX/17 is the date of the transaction. The amount is {$740.00}. I requested {$740.00} but didnt receive any cash. Please correct this ATM error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I transferred XXXX $ ( two deposits of XXXX , one was as purchase of bitcoins and the other as USD ) from my XXXX XXXX XXXX checking account to Coinbase. The fund was made available to my Coinbase account on XXXX XXXX, XXXX, but I decided to transfer it back to my checking account. I made two transfers from my Coinbase wallet to my bank account. The first one processed, but the second one of XXXX $ was cancelled by their system and supposedly returned as Coinbase fund. As of XXXX, XXXX XXXX, the XXXX $ is neither in my checking account nor available as fund on Coinbase.

I contacted support many times, but the only time I got a reply was a message that had nothing to do with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My debit card was compromised the week of XXXX. I made the decision to close my accounts. About XXXX I removed all my funds and closed my savings account. I requested no further transactions be allowed until the final fraudulent charge of {$5.00} was cleared. My account should have also been marked to not let any charges through if there were insufficient funds as this is ALWAYS the option I choose. 

A charge from my electric company was allowed to go through and the fees began. Including a fee for trying to transfer funds from my checking to my CLOSED savings. 

On XXXX I noticed the issue and called. All the fees were waived and I was going to pay the funds for the charge of {$84.00} the next day. But more fees were added that night. I went and paid the {$84.00} as agreed and was told my account would be closed. 

Now more fees have been added. I had one autopay from XXXX XXXX that I had not realized needed to be moved. But had the account been closed in late XXXX as requested it would n't be an issue. The balance is - {$88.00}. I have tried multiple times to resolve this issue over the phone. The last call with a supervisor was disconnected and I was not called back. I do not feel I should have to call again and explain again. I want my account closed. I feel that Compass has acted punitively for me trying to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I am currently repaying my student loans to XXXX XXXX. I am enrolled in an income based plan and work for a XXXX XXXX. I plan to apply for Public Service Loan Forgiveness ( PSLF ) once I have made 120 on time payments. In XXXX of XXXX my monthly payments were re-calculated, as they typically are annually. At the time I was under the IBR payment plan. My payments went from {$140.00} per month to over {$1000.00}, despite a minor change in my income. At the time I was moving in with my in laws to save money while my husband left for XXXX XXXX XXXX for the XXXX paying over {$1000.00} for only some of my federal loans was out of the question. My servicer informed me that I qualified for the new Revised Pay As You Earn ( RPAYE ) repayment plan, which would further decrease my monthly payment. I happily asked for them to switch my payment plan and I was informed that it could take up to 60 days to process the request. I was told that my account would be placed in an administrative forbearance during the processing time, but that my account would not be considered delinquent during that time. I did not receive a bill for my new RPAYE amount until XXXX XXXX. Unfortunately I was unable to make any payment from XXXX XXXX. This time frame was much longer than the 60 days that I was originally quoted. That is 7 months that I was unable to make qualifying payments towards PSLF, while still working for a qualifying organization. I will now be in debt longer due to the significant time that it took to switch my repayment plan. In addition, I was also required to make 2 monthly payments at {$5.00} each ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) due to my loans being in " administrative forbearance '' for so long. I do n't understand why I was penalized by paying this fee for the company 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed XXXX XXXX XXXX credit card account shouldnt be reporting in my credit file and it was removed and it reappeared again. Im finally requesting this to be removed from my file as soon as possible or else I would take legal action against equifax as this account should not be reporting in my credit file at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: ME

Complaint narrative:
Fay Servicing did not pay my homeowner 's policy from my escrow account on time, although there was sufficient funds to do so. My homeowner 's policy was cancelled on Friday XXXX XXXX XXXX. 
I did get an email that Fay paid the premium late ( XXXX XXXX. XXXX ). 
However, since the payment was made this year it has caused my escrow balance to be in the negative. 
Fay told my insurance agent on XXXX XXXX, XXXX that they were going to overnight the insurance payment. They did NOT do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have had 2 previous occasions where my credit score has dropped within the last 2 month on only my Trans Union report. The first time it dropped exactly 20 points and no reason or justification was given, 2 weeks later the points were partially returned to my score. The second time the score dropped exactly 30 points and again when I inquired to Trans Union and XXXX XXXX I was told there are several factors involved. However no one could define those exact factors and why the sudden drop. While these events occurred all factors remained in moving toward a positive direction and my other reporting agencies increased scores using the same factors. In both events the points were returned a week or two later to my score. 

Then on XXXX my score dropped 43 points with just Trans union, they are still unable to provide any detail or reasoning for this. Just that there are several factors involved ... I ask these factors and they can not provide one. There are no items that have adversely changed on my credit reporting. I have no issues with other reporting companies and my credit scores continue to grow. But I feel there is unethical activity on my personal account with Transunion and not one of my consumers.

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 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to XXXX as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from XXXX stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue and contact Portfolio Recovery ( XXXX ) to report. On XX/XX/XXXX, I sent a letter to XXXX. On XX/XX/XXXX, I received receipt the letter was received. However, XXXX sent a letter stating the balance was XXXX and remained on my credit report. This is a problem with these companies have. Not only do they disrespect the process victims of ID theft have to go through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I sent a letter to OCWEN XXXX XXXX, XXXX requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that Ocwen did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires OCWEN to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XX/XX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XX/XX/XXXX, showing that OCWEN has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XX/XX/XXXX my letter was sent certified to XXXX XXXX to verify and validate three debts reporting on my credit report. I sent the letter to the address that is shown on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee. The letter was returned back to me which leads me to believe the address reporting for the company is incorrect. It is not acceptable to have a company reporting multiple insulting debts and I do not have the ability to make sure the debt is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: AZ

Complaint narrative:
In XXXX 2017 I, ( XXXX XXXX ) reported to Experian that there was a collection Debt on my report that belonged to my XXXX sister, XXXX XXXX. XXXX XXXX XXXX was the collections company and the account was from XXXX XXXX in XXXX XXXX, Wa. where my sister lived. I have been living in XXXX, AZ for the past 11 yrs. My credit, as well as the DMV have mixed mine and my sister 's info up before so this was no surprise however it is very frustrating and really should n't be happening. So I disputed this collections debt with Experian and after their " so-called '' investigation Experian closed the claim stating the information was accurate and refused to take it off my report. Obviously upset, I then called the creditor, XXXX XXXX XXXX and immediately find out that the lease was indeed in my sister 's name, ( not mine ) along with XXXX XXXX. All their information i.e employment, date of birth, ss #, personal references was correct with their information except somehow my credit was pulled up during the application process. Clearly someone should have noticed immediately that the name on the credit report did not match that of the applicant/tenant. So XXXX is now removing my ss # from the account, has changed it to my sister 's, and will notify my creditors to have the collections removed. I found all this out in one phone call to XXXX. I do n't understand why Experian during their investigation could n't figure this out. Something is definitely wrong with our system and with today 's technology it 's just completely unacceptable!

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 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
During XXXX 2017, I paid XXXX two payments for my XXXX package. They took more funds from my account than authorized. I submitted a unauthorized transaction to XXXX XXXX XXXX and asked them to put a stop payment on any other transaction by XXXX. Since this time, our account have been charge over {$48.00} in bank return fees for the same {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This company XXXX XXXX XXXX is using some real shady tactics here, let me tell you. I found out about this debt from my credit report. I was never ever informed on this debt, I have n't needed XXXX XXXX since I left a fixer upper home in XX/XX/XXXX. Somehow the new tenants got the power back on in my name, probably because bills were still coming there for power.I have contacted XXXX and they will do zero to fix this, said to call the cops. I did and they said it was 7 years ago so they cant do anything. This was put on my report as current, and went delinquent in XX/XX/XXXX. Which in fact is false. It went delinquent in XX/XX/XXXX. I disputed this charge, said the balance history was incorrect. They updated and said it is not. It is not fair that these companies can out and out lie when you dispute things. If this is not fixed or deleted I will be contacting a lawyer for damages. a XX/XX/XXXX delinquency hurts my credit FAR MORE then the correct age of XX/XX/XXXX. This is not fair to the consumer and they should be fined!!!!! I have called them even to notify them of their error and they refuse to fix this. The below Bill shows my last payment was XX/XX/XXXX and they said it was partial. Acct was put delinquent XX/XX/XXXX Power was Shut off and 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 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XXXX of XXXX I 've sent several dispute letters to Experian thru certified mail and online direct dispute regarding an account that keeps changing different items that is affecting the 7 year removal date. I had 2 accounts with the same debtor that went delinquent on the same exact date and both should have the same removal date. Both accounts were removed by XXXX XXXX XXXX due to the 7 year date, and I sent the information from XXXX along with a follow suit letter showing the correct information and prove of deletion with no resolve. Experian has the same accounts with one having a removal date of XXXX XXXX and the other having a removal date that has changed several times and the latest date of removal now states XXXX XXXX. This date along with the first reported date changes every time i dispute and ask for the information experian received to validated and verify the dates and information. Till this day I have not received any of the information I have requested and that I 'm entitled to from experian regarding this account except a pre-generated generic letter saying the information has been updated. This account should have the same exact dates as the other account and should have the same removal date also, because as it sits today it looks like the account was just opened or reported and will be on my file for a total of 14 years. I feel as if experian is not investigating my dispute as guaranteed by the laws and rights afforded to me by CFPB and other governing bodies. The account has been and is being re-aged as my attached documents show and it 's making it very very difficult for 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 explanation