vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 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: SC

Complaint narrative:
After graduating XXXX XXXX in XXXX 2017, I submitted a request for an income-driven repayment plan with my prior loan servicer ( XXXX ) which was approved with a payment of {$0.00}. When I began my residency in XX/XX/XXXX, I applied for PSLF as I would be working for a XXXX XXXX. I was accepted at that time but switched to a different loan servicer, XXXX. I then received notice that I would need to begin paying back loans on the standard repayment plan. After spending much time on the phone, I was told that I would need to reapply with the same form for an IDR plan again. Their explanation was that my prior servicer did not forward that information to them. Some time later, I receive notice that I was rejected for IDR plan since I did not supply my spouse 's income information. I do not have a spouse. Again, after another phone call during work hours in my XXXX XXXX, I was able to correct this information and get approved. I received an email confirming my enrollment in an IDR. However, this IDR would not go into place until at least 1 month after my grace period ended. Somehow, even after submitting my income information, I received a bill for over {$2000.00} to be paid one time before my IDR would begin. XXXX 's explanation is that their bills are made 28 days prior to due date. So, because of their error, I was forced use forbearance and capitalize my loans once again. I am actually calling XXXX right now to correct the type of IDR they have given me. This experience is not unique. At least 4 other residents in my program have had the exact same experience. It is unacceptable that it takes 6 months or more to correct this issue. Working people do not often have the luxury to make this many phone calls. I also believe more interest is accruing as a result of these practices and errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.

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 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I bought a couch on XXXX/XXXX/XXXX from XXXX 'XXXX. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XXXX/XXXX/XXXX. This is 1 year 11 months of financing. I complained directly to XXXX 'XXXX  by calling XXXX XXXX at XXXX. Someone called me back on XXXX/XXXX/XXXX from the number XXXX. He kept telling me the time starts the day you buy the item. Basically the gentlemen tried to explain it and I said that is not 24 months financing that is 23 months financing. 

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. 

I have several other cards and not one calculates the free financing in this manner. 

They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. 

They also advertise that anything over XXXX is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Hello, I am being denied loan modification due to my XXXX from being fired while on workers compensation. I am a XXXX XXXX XXXX that was fired while hurt on the job. From my injury I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I was current on my home mortgage until I was hurt on the job and fired. My wife is not employed and is currently in XXXX  school. I am the sole provider of my household and my salary per year was {$180000.00} per year until I was terminated from my job. I was granted a forbearance but then they said it was denied, I was granted a loan modification but then denied. The forms I submitted they stated was not sufficient enough. PennyMac is the mortgage servicer for my home. And with my injury the law states my I trest rate states it shouldnt be more than 2 % but mine is 3.5 %. The required mortgage is {$2400.00} but with my injury and current XXXX status I should be paying no more than {$600.00} per month for my mortgage. I am being scammed and they are trying to take my home. I was even told by Pennymac to sell my home and also that I didnt qualify for anything and I am stuck with being homeles with a wife and XXXX kids. Please call me at XXXX XXXX XXXX. 
My home address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX PennyMac Mortgage Loan number : XXXX telephone number : XXXX XXXX XXXX XXXX XXXX is the XXXX of the Loan issue. 
Please contact me ASAP and I will elaborate on the situation even more. I am also faxing my documents that is needed and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Company name : Coinbase, website : https : //www.coinbase.com I made a transaction in coinbase. During the registration, it asked me for last 4 digit of social security number and my residence information, I provided all the information. 

I was able to made transaction on ( XX/XX/XXXX ) and, it was promised to me that XXXX ( cryptocurrency ) will be available with in a week ( XX/XX/XXXX ). 

when XXXX ( cryptocurrency ) was increased from {$100.00} to {$300.00}, company told me that they can not transfer the XXXX. 

It is a loss to me, if they denied me during the transaction itself I could go for to other exchange. 

I did the transaction of {$2100.00}, my account was showing the limit of {$3500.00}, so it was with in the limit. limit couldbe increase if I upload my id. during the transaction they did n't ask me to upload my ID for this amount of transaction. 

Please check the attchements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I made a purchase with XXXX for a XXXX XXXX XXXX. I was paying XXXX directly but they then later sent my account to a finance company to take over payments. I have set up several payment arrangements about this matter and they continue to call me saying that i am past due. I have asked for a copy of my payment history and they are refusing to send me that information. I advised them that I am not authorizing any further payments until I can review the documents. they say that I have 24 hrs I said that it was not enough time and they said 24 hrs or they are going to charge me 35 % more and send me to collections. I did get upset with them on the phone as I am not neglecting anything I am just trying to make sure I am not over paying them. one rep tells me " you do not have the money that 's why you are not paying '' these people are unprofessional and plan to file a number of complaints with DOJ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have fraudulent inquiries on my report which I did not authorize. I have tried writing to Transunion in the past and most recently today regarding the inquiries however they will not remove them. I believe this to be in violation of the FCRA. 
All inquiries from which I do not have accounts for the last 16 months are fraudulent.

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 2017-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX XXXX I reported that XXXX XXXX XXXX XXXX was not reporting up to date payments. On XXXX XXXX I reviewed the Transunion. TransUnion deleted the XXXX XXXX XXXX XXXX account. XXXX XXXX was the Customer Service rep for Transunion and stated without a doubt that XXXX XXXX Requested the Account be deleted from my report. I have spoken with XXXX XXXX who assures me that all information. I am also including an updated Credit Card Information Letter, that shows payments are up to date. Credit card is active is being reported correctly. Transunion is at fault for both improper payments as well as deleting of accounts.

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 2017-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I am writing to claim false debt collection. The first calls were coming from XXXX XXXX at XXXX in XXXX XXXX. This number was contacting several family members about collecting the debt. However, I was not notified of the name of the debt collection agency or any written mail or email presented from this company. They were very abrasive about collecting money, and when the payment was due on the first call. I agreed to make the two payments. At this point in time, I did make the first payment. Upon further research of the number, there were several websites accusing this number as a phantom debt collector and a scam. I became worried, and did not follow through on the second payment. A second number began calling at XXXX ; this was XXXX XXXX claiming to be from XXXX. XXXX was calling several family members, as well. He did not know of what number called before, and I notified him of the potential scam which is why I did not make the second payment. The email he claimed to have sent on the XXXX of XXXX was not anywhere to be found. I am concerned that the company calling is not a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We have requested SPS review this file for a short sale. SPS is refusing to do an interior appraisal/valuation of the home, even though they have been notified numerous times that the basement wall is collapsing, causing the home to cave in. The homeowners had to move out for safety reasons, yet SPS refuses to take this into consideration. Their blanket response is " the investor does n't require an interior valuation '' - yet they have n't even notified the investor of this issue. In addition, they are trying to force the buyer to pay for title insurance - which is a seller fee! Each state has different rules and in Michigan the seller pays this fee. They, again, refuse to clarify this with the investor on the loan and are delaying the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a JP Morgan Chase bank customer and applied for a HARP loan after a business bankruptcy. After 14 months of constant faxes and calls I was told the rate would never go above the current XXXX XXXX rate which at that time was 2.5 %. I was never told that after having a current mortgage, they would add all the interest, attorneys fees and all the bank fees which totaled {$35000.00} and the maturity date was extended 15 years. also the rate came back at 5.125 %. when I received my paperwork for signatures I just about fainted and after calling Chase was told if papers were not signed and received the next day foreclosure would start. I had no choice. So I went from a current loan to one that balance raised {$35000.00} and extended 15 years, I never would have that if I had been told this. Chase Bank is the most corrupt bank I 've ever dealt with. I was bullied into signing papers or lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: MA

Complaint narrative:
I have been receiving numerous robocalls each day from the number XXXX. I have called this number back previously, and told whoever answered the phone to STOP CALLING ME. 

Today, I called that number again, and got XXXX XXXX on the phone. I told him to stop calling me, that I was on the Do Not Call list, and that we have no business together. 

He said it was n't a sales call, so he had every right to continue calling. So I asked what the purpose of the call was, since we do n't know each other. He said he was given my number as contact information for someone he was searching for. He said a name, which I believe was XXXX. He refused to indicate the nature of his call or the reason for the ongoing harassment. 

I told him nobody by that name was associated with me or my phone number ( any XXXX could XXXX and confirm it ). I then guessed " Debt collector! '' and he refused to respond. 

I then asked for all his contact information. This is the info he gave : company name XXXX, mailing address XXXX XXXX XXXX XXXX, CA XXXX XXXX I am *assuming* the above information is correct, but have no way to verify it. He could be a total lying scammer pretending to be from XXXX ( which is, as it turns out, a debt collection company! ). Or, he could just be a XXXX employee doing lazy, sloppy work. 

I am sick of being harassed about a debt that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: ND

Complaint narrative:
Hi, I have opened a Coinbase account two weeks ago and I have seen a set of odd transactions that either failed or were unclear to me. Furthermore, despite me linking some of my bank accounts with the app, there has been no verification. Same with my ID. They keep asking for pictures of my driver 's license to complete my ID verification, but nothing happens. I have tried since to close the account, with no luck. There is essentially no response coming from coinbase customer support, whether that is on the phone or via email. This is not only unprofessional, but also negligent. Constantly typing in the same information for it just to get rejected is simply not safe. I 'd like coin base to finally be able to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Issue : I booked travel through Chase XXXX XXXX program through chase.com website to redeem rewards - Chase sold a ticket which can not used. Chase is not able to take back the product. 

The sequence of events : XX/XX/2017 : Booked ticket for XXXX year old from XXXX XXXX XXXX. Got email confirmation. 
See attached. 

XX/X/2017 : I called Chase to confirm regarding {$150.00} fee to Airline for XXXX XXXX program. 

XX/XX/2017 : I called Airline to pay the fee. Airline declined stating that unaccompanied minor can not travel alone on connecting flight.

XX/XX/2017 : I called chase to refund the money since they sold a product that can not be used. Chase declined to help and said that buyer beware. This is clear cheating the customers of selling a product that you are NOT allowed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.

Company response to consumer: Closed with explanation