vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I am submitting a formal complaint against FedLoan Servicing due to their refusal to credit 42 approved payments for the federal loan repayment program known as Public Service Loan Forgiveness. In XX/XX/XXXX, I submitted an ECF form for approval into the program in the last month of employment with my XXXX  XXXX, non-profit entity known as XXXX University or XXXX University XXXX XXXX. ( In XX/XX/XXXX, the college and the hospital split into two different financial entities, but both are considered 403 ( b ) non-profits. ) My XXXX  XXXX  was a 48-month contracted commitment, at which time my salary was about $ XXXX about $ XXXX/month. Like most XXXX, IBR is imperative ; without it, my standard repayment option would be more than my take-home salary. During my 48 months of XXXX  training/employment, I made 42 payments under IBR, as per the requirements of PSLF. As of today, XX/XX/XXXX FedLoan Servicing refuses to credit these payments towards my PSLF requirement, even after informing me that my manual review of my account is complete after two years. 
I have documents as proof that I made these payments under IBR. I have submitted bank statements from XX/XX/XXXX ( I made two payments this month ) through XX/XX/XXXX, my last month of employment/training at XXXX, accounting for all 42 payments and documenting that I was receiving a paystub from XXXX University. All of my IBR applications are on record at Studentloans.gov. I have also included email correspondence that show I was submitting and approved for IBR every year around XXXX. I have documentation from XXXX, my old loan servicer, documenting these payments, the very same information that FedLoan servicing is claiming is unavailable to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I signed up for the Marcus by Goldman Sachs savings account ( promotion which is {$100.00}. I deposited the required {$10000.00} on XX/XX/XXXX. The bonus tracker on the website said that I could withdraw the funds on XX/XX/2020 ( yesterday ) which I did. I called up today to inquire about my bonus and was told that I am not eligible because I was supposed to keep the funds until the end of the day on XX/XX/2020. I informed them that the bonus tracker did not say that. It simply said " withdraw funds on XX/XX/2020 '' and you are eligible for the bonus ( which I did ). I am eligible for the bonus because the bonus tracker literally said it was ok for me to withdraw the money on XX/XX/2020 which is what I did. I noticed that the bonus tracker is not showing on my account today or I would take a screenshot of it. Please credit my account the {$100.00} as promised. This is my second time doing a bonus with Marcus by Goldman Sachs and the first time I did the bonus I did get paid for it. If I do not get paid I will not do another bonus with Marcus by Goldman Sachs and will file another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was in XXXX this past month when the government issued all tourist locations closed and a stay at home edict. I cancelled all remaining tours/transportation, and hotels. One of the hotels was non-cancellable and has not responded to requests for a refund. I went to use my trip cancellation insurance associated with my Chase Sapphire Reserve Card and was told " Sorry we don't cover pandemics ''. The card charges a $ 500+ annual fee touting trip cancellation as one of there key benefits. The language in the agreement says disinclination to travel due to pandemic is not covered but this was no disinclination. It was a government edict.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
At the beginning of 2019 we setup our Capital One credit on Auto Pay with Capital One. On XX/XX/2019 we called in and spoke with a customer service agent. When we spoke with the rep on XX/XX/XXXX, we asked him to fix our amount coming out which he did. In XXXX we were notified via credit report that our account was late. When we called we were informed again that the payment Capital One was automatically withdrawing was not covering the minimum payment since XXXX. They never sent notices, phone calls, or any other communication to notify us that our account was affected in any way. 
We spoke with numerous customer service agents and they reversed the fees and corrected our account XXXX and made a large payment to correct the issue. We have asked Capital One to review our account, take off the negative comment that the account is late, because it is not and they will not. On XX/XX/XXXX, we called and spoke with someone by the name of XXXX, XXXX and few other reps. Nothing was done then either. 
I asked them numerous to help me fix this and no one would would. I asked to speak with managers and was told I could not. All we are asking is to have our auto pay corrected so the correct amount would be paid each month, the negative remark removed from our account. When I look at my credit report monthly Capital One shows green check marks that my account is paid and onetime. For them to charge us months of late fees and hit our report with no proper communication that is not okay. We have spent on the phone with Capital One trying fix this. I had an account rep tell me that because my account is on auto pay that when they draft my account its automatically because it takes a few days to process. That is not okay. We requested the transcripts which they will not give us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: GA

Complaint narrative:
Republic Finance representative who identified himself as XXXX the manager of Republic Finance located on XXXX XXXX in XXXX Georgia admitted he withdrew money from my account without permission. But he refuses to return it and the fee the bank charged me for paying the ACH transaction of XXXX on XX/XX/2020, without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I paid of my XXXX XXXX XXXX from XXXX XXXX XXXX Al. On XX/XX/XXXX and they said that i didnt pay off my car and that i owed them XXXX. My payoff quote was XXXX i paid that in full. I need them to explain to me why they are over charging me. I have tried to call the automated customer service number no answer i also personally called the riverchase kia a receptionist picked up the first time and transferred me, i didnt get a answer so i called right back and the receptionist didn't even pick up the next three times i called. I need answer ASAP!!!! I paid the XXXX because i need my title but that is XXXX especially since my payoff quote was XXXX and i paid them in full.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see Attatched MERCHANT RESPONSE USAA just sent me XX/XX/2020 in regards to MY REQUEST FOR. ORIGINAL SIGNATURE. OF WRITTEN DOCUMENTATION OF ACCEPTACE OF DELIVERY AND PROOF OF MY PURCHASE ie. ( Picked Up @ Post Office OR DELIVERED INTO MY HANDS. ) AND IP TRACKING This USAA Provided see Attatched is NOT FROM XXXX BUT A 3RD PARTY???. Documentation with XXXX Heading. KINDLY NOTE ( 1 ) IP ADDRESS XXXX ** IS NOT MY IP ADDRESS. ** ( 2 ) THE SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX ** IS NOT MY ADDRESS FOR DELIVERY. 
** Clearly, USAA DOES NOT CONDUCT ACCURATE FRAUD INVESTIGATIONS AND LEAVES CONSUMER LIABLE FOR FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I am trying to get a three month forbearance on my mortgage. The XXXX and the state of Maryland said that I had to close my XXXX   XXXX  because of the covid 19 virus. I called the mortgage company several times and was put on hold for hours. Looking on XXXX I can see that many other people have had the same experience. The company does not have any way to initiate the process on-line.

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 2020-03-27 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

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 2020-03-27 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

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 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX 2020 reported XXXX a company I have zero knowledge of and never engaged in a contract with fraudulently reported a negative blemish on my credit report damaging my score and affecting my personal character all the while violating the FCRA federal laws by reporting false information. Please let it be known this debt is not validated. I see they claim to be attempting to represent a phone company in the name of XXXX. My accounts with XXXX, all though none of there business, have been paid in full and I will upload the {$0.00} balance receipts in this complaint. This is now consecutive times this false reporting has been attempted. A lawsuit will be filed if it happens again. see attached receipts. And regardless of them, again, I never engaged in a contract with ENHANCED RECOVERY CO L regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV FUNDING is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/XXXX. Re : mortgage refinance. Based on a loan estimate ( and realizing that the final numbers might differ from the loan estimate ) that I received from loandepot on XX/XX/XXXX, I paid {$510.00} toward an appraisal and credit report. The loan estimate ( attached )  provided for no out of pocket costs to me at closing and for cash to borrower at close. Also, when I asked the loan officer, XXXX XXXX, for evidence of the interest rate lock, she emailed me a screen shot ( attached ) on XX/XX/XXXX that contains the line : Estimated cash back at closing {$470.00}. Shortly after receiving the screen shot, I asked XXXX XXXX about who sends me a check for cash to borrower at close. She said there will be no cash to borrower because we're not allowed to send you cash at close since that would be buying down principal. 

I contacted a friend whose been a mortgage broker for 20 years ( he can't do my refi since he's not licensed in my state ), and he said that I absolutely can receive cash at close, up to the {$2000.00} limit ( the limit was due to the fact that my loan was not a cash-out refi ). I contacted XXXX XXXX, who told me that if the final numbers show that there is cash to borrower at close, I would get a check for that amount, up to the {$2000.00} limit ( I used XXXX XXXX for my refi and closed this week ). I also contacted XXXX XXXX  who confirmed what my friend and XXXX XXXX  told me. 

On XXXX, I emailed XXXX XXXX to request a refund of {$510.00} based on what I considered deceptive practice on the part of loandepot to show cash to borrower at close, and then after I paid {$510.00} in order to lock the interest rate, to tell me that I won't get any cash at close. Ms.  XXXX and XXXX XXXX, responded to my email XXXX attached ). Mr. XXXX contradicted the aforementioned 3 sources about my getting cash at close and also said that I would not be getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Last XXXX, I think, as I have yet to received any written notification, XXXX  XXXX XXXX transferred servicing of a small HELOC I had on an old home of mine. I think the transfer was to occur in XXXX. Both Specialized Loan Servicing ( SLS ) and XXXX  XXXX XXXX used an address I had not lived at in over 16 years to notify me. Bottom line, it took SLS 4 months to find me and effect the transfer. Because I was never notified, I continued to pay XXXX  XXXX XXXX through their auto Bill Pay program. 
Without going into a long story, because Im XXXX  XXXX, and due to my many XXXX  overseas both before and after I XXXX, my son has taken care of our rental property starting in XXXX. I was with XXXX XXXX from XXXX to XXXX so I no longer had a stateside number. That is why I have always included my sons phone number on all my accounts. SLS had this number all along but SLS 's representative stated Specialized had no record of ever calling my son until XX/XX/XXXX of this year. Once notified, we verified the transfer with XXXX XXXX XXXX, and we paid SLS the money owed. XXXX XXXX XXXX, unbeknownst to us, had been returning our payment with only an alpha numeric code number we failed to recognize. SLS subsequently put a 120 day late on my credit report. I have been with XXXX XXXX XXXX for over 25 years. A simple phone call to them would have resolved this 4 months prior. Or, sending a certified letter would have produced my contact information. 
I would appreciate your looking into this matter for me and removing the 120 day late on my credit report. Thank you for your assistance.

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 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
XX/XX/XXXX. Company called my place of employment trying to collect on a debt during a pandemic. I'm not sure how much longer I will be employed because of this pandemic and quite honestly not sure how I will pay bills needed to sustain life at this point. My significant other is out of work, as I type this message, struggling to file unemployment. We have young children at home as well and they call and want me to pay this bill that has been owed since XXXX. This is now XXXX and they decide that now is the time to contact me regarding a 6 year old debt? NOT OKAY!!! This is the 1st communication from them in the last 6 years, please let me note that as well. This is very unacceptable, especially since the world is in chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to Transunion, XXXX, & XXXX but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, Equifax, & XXXX  but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: NY

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation