vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: College Foundation, Inc.
State: VT

Complaint narrative:
I originated a personal loan ( XXXX XXXX XXXX XXXX ) with College Foundation , Inc. back in the mid XXXX 's ( XXXX? ) and needed a cosigner because I was un school and in my early twenties. The account has been in good standing and I have made payments on time throughout the life of the loan. 

Two months ago the company changed their policy and began sending my cosigner a statement that looks identical to my statement and asks for the recipient to detach the payment sub and submit a payment. It is addressed to my cosigner and does not explain anywhere that it is simply a statement and not a bill. The ONLY difference in the statement is that hey cosigner 's has printed above the amount required for payoff " SURETY ''. 

I have complained to the company asking that they change their cosigner statement to clearly identify that it is NOT A BILL so that recipients are not upset or concerned that the primary loan recipient has not made their payment or that they now owe money as well. I was told by both customer service representatives that they will not change their statements and only informed that they would pass along my complaint to the billing department. When I asked if they understood why this was an issue that needed to be fixed they said they did not see it as a problem. This is unacceptable. 

Outside of paying off the account in full or refinancing without the cosigner the situation will persist. This company needs to be held accountable and asked to make a simple change in their statements to avoid hassles for their loan holders and possible duplicate payments received by them in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: WA

Complaint narrative:
I am so upset right now! Several months ago, this debt collector, XXXX XXXX , XXXX started reporting an account on all of my credit reports. I sent a request for validation to them on XX/XX/2019, and waited 60 days. They were supposed to respond within 30 days according to the FDCPA, but they did not. I then sent another letter on XX/XX/2019, over 40 days ago, and they still have refused to send me validation. I called the company about a week ago and asked them to tell me about this account. They said it belongs to someone named " XXXX XXXX ''. That is NOT me. I told them this, but they are still reporting it on my reports. My name is XXXX XXXX, not XXXX, and my name has NEVER been XXXX. This debt does not belong to me and should not be on my credit reports. Not only that, but now they've violated the FDCPA twice by NOT sending me validation after I requested. It has now been over 100 days since I mailed them my first validation request, and I still have not received anything. I sent both letters via certified mail, so I was able to see that they received both letters. I demand for them to remove this account off of my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've have reached out to Equifax at 8 times to rectify an error reporting g in my credit report ... 
My last attempt was yesterday XX/XX/19 The credit bureau block me from disputing online and over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2019 I paid my capital one power buy card in full. The bill said XXXX, I paid on their web-site. Their web page under my account total balance said the same thing. while paying my bill you need to hit a button 1 paying last statement balance. 2, current balance. 3 min. payment.. I hit current balance. 

XX/XX/2019 I received a bill from capital one saying I owe XXXX. There was no charged so I called. Spoke to a man who then transferred me to his supervisor. The supervisor told me it was interest. even through I paid my card off. She then told me that I have interest occurring now. So the paper bill I received today wouldn't pay off my bill. yes, that is what she said, I made quite the fuss so I was recorded. The bill I got today says New balance XXXX min. payment XXXX. She told me I already owe XXXX cents more than what the bill says. I will always have interest occurring. I can never pay off my. I m just paying them interest. for nothing. 

I asked to speak to someone above her and she informed me she is the top one in the company to speak with. I asked if she had a boss which she replied yes but they don't deal with this. they have meeting to go to. Who knows what I '' ll owe tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
This is regarding my Ditech loan # XXXX. This loan was taken over by Ditech from the original servicer in XXXX or XX/XX/2019. 

I had my payments automatically deducted from my checking account with the initial servicer. I requested the same from Ditech as soon as I was notified that it was taking over my loan. Payments were successfully made the 1st and 2nd month. However, Ditech did not autodraft the 3rd month and then triggered a late fee and penalty. I called, paid two months at the same time, requested that they reverse the late payment and restart my autodraft. This then happened again in XXXX/XXXX. 

I have now paid {$1000.00} in late fees. I now have seriously derogatory strikes on my credit that must be removed. I just paid my XXXX bill ( today, XX/XX/19 ) manually because the autodraft is again not set after 3 requests to fix it. It now says I am not eligible for autodraft. 

I know that this is not a communication issue. Ditech knows how to communicate on everything else. They just fail to do so when it can cost me money and marks against my credit report. Indeed, I have received over two-dozen e-mails from Ditech over the last 4 months telling me about my refinance options and ways to save money. I've received other e-mails from Ditech regarding my eligibility to participate in a lawsuit against Ditech for improper servicing errors and expenses. 

I don't know what else to do. I need these fees taken off. I need my credit report corrected. I can manage not being on auto-pay but I would prefer being serviced by a provider that does not take advantage of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CPE Group Inc. sent me a bill for {$250.00} to collect for XXXX. I Called Customer Service that I never had any outstanding balance with XXXX. I told CBE Customer Service that this is not how XXXX works. XXXX sets up Checking Account with XXXX and this is the only way to buy or sell any products. I called XXXX on XX/XX/XXXX and they told me that I do not have any outstanding balance or if they sent this to collection with CBE Group. CBE setup a account # XXXX which they said that I owe them {$250.00} for collection. They said that I could pay balance in full or make payments. Also they said if I do not respond within 30 days by mail or by calling collections that they would send this collection to Credit Companies. CBE  Group had a Payment Processing Center, XXXX. XXXX XXXX, XXXX, IA XXXX to send money too. The Customer Service # XXXX to talk to billing dept. This Company is a Scammer, which is trying to collect money for Collections with CBE Group. They are doing this to other people and saying they owe money for collections for XXXX or for other Companies. If you need a copy of the bill I got from CBE Group, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is falsely showing I was late for 3 months in a row and they refuse to get correct the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Cashier 's check stolen at XXXX, have not heard from Chase regarding check fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
Summary I am paying PMI on my mortgage even though my LTV is less than 78 %. They keep telling me that they will mail me things that never show up in the mail that I can sign for a written request and that I can't get approved because it needs to be 75 % and 2 years.Homeowners protection act of 1998 states the actual laws on PMI cancellation which doesn't require you to wait 2 years and should automatically be dropped off when you reach 78 %. 

I have called over 5 times and get told over and over again that I need to wait two years and 75 %. It's impossible to get to people in charge and I'm stuck paying PMI in the meantime and I never actually get mailed anything. 

Attached is the timestamp when I crossed 78 %. The date is XX/XX/XXXX I put {$6200.00} down. 

Attached is the amount I currently owe which is {$130000.00} Math : XXXX/XXXX = 77.2

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 2019-10-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX did 2 hard credit checks on me XX/XX/XXXX and XX/XX/XXXX without my permission. I thought that was against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I ordered my credit report from XXXX, I was able to obtain reports from two out of three companies. XXXX and XXXX  delivered my report promptly. Equifax sent me a letter, denying my report and asked me to send in copies of my documents ( social security, photo ID, proof of address. I have called the company and was asked twice for my personal information, and again was denied my report and asked to send in the copies of my personal information. It is all because of verification and information protection act, as I was told. When I ask for the reason, I was simply told to send my information. Unresolved, still no free annual report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
My first modification trial payment was due XX/XX/2019 I've made that payment. 
I received a property foreclosure notice for the sale of my home that is set for XX/XX/2019 from the foreclosure attorney XXXX XXXX XXXX. How is a foreclosure sale set for my home when I'm in a trial modification plan the began XX/XX/2019. 
Property foreclosure letter was received XX/XX/2019 and the property foreclosure sale date is set for XX/XX/2019 that's not 30 days prior to sale date as required by the Tennessee XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I paid off the entire balance of {$22000.00} owing on my zero interest Bank of America credit card. The zero interest offer was set to end XX/XX/2019. I paid the credit card on time each and every month during the zero interest offer. On XX/XX/2019, the day after paying off the entire balance, Bank of America unilaterally closed my credit card account. I believe this was done in response to my paying off the entire balance thereby depriving Bank of America of the high interest payments due to commence in XX/XX/XXXX. Instead of serving to repair my credit by making this payment, Bank of America has harmed my credit by cancelling my account for specious reasons. My credit score is good and I have always paid this credit card on time. I have never defaulted on any debt in my 34 years of credit history and earn {$190000.00} per year. Credit utilization and amount were cited as the reason why my card was cancelled, yet these factors have remained the same over the course of the last year. The only difference is I paid Bank of America every dime it was owed prior to the lapse of the zero interest offer. I believe this is a fraudulent pattern and practice of Bank of America -- to close zero interest accounts that are paid in full just prior to excessively high interest rates kicking in after the expiration of the introductory offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Applied to refinance our home with XXXX XXXX NMLS # XXXX at M & T Bank. 
We were never told about paying points. When estimate came to us it had {$3700.00} in points on it. It took us emailing and calling 10 days to XXXX with finally a response. XXXX tells us on the phone dont worry about it because our appraisal ( we paid for {$550.00} on XX/XX/XXXX to M & T ), the LTV was so great, we dont have to pay points anyways. XXXX told us to sign the estimate docs to keep process moving forward and he will fix it. This refinance is going on almost a 2 month process. The next estimate we get from title company still has points. XXXX XXXX, Mortgage Processor NMLS # XXXX, was assigned and I told her from the start the points were supposed to be fixed to Zero points before the settlement estimate is completed. XXXX tells me that on XX/XX/XXXX the underwriter submitted the change and she never followed up. XXXX tells me she never heard back from us-I shouldnt have to constantly keep on top of M & T Bank to make sure they are doing their jobs. We have back and forth emails with us asking them is it fixed? When can we close? Etc. XXXX follows up and tells us XXXX lowered the points by half ( which would still be {$1800.00} approx ) out of our pocket and he also reduced our loan amount by {$500.00} without speaking to us! XXXX has never followed up or spoke to us since XX/XX/XXXX. All communication has been through XXXX since this date. XXXX has requested XXXX to contact us twice in which he has failed to do so. This whole process has wasted almost 2 months of our time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Harbor Legal Group, LLC
State: FL

Complaint narrative:
I enrolled and availed in the debt consolidation program with the Harbor Legal Group and XXXX XXXX XXXX ( XXXX ) last XX/XX/XXXX and they started deducting from my checking acct XX/XX/XXXX, initial payment was {$200.00} breakdown of this amount ( {$55.00} goes to savings, $ XXXX-Retainer 's Fee ; {$27.00} Admin Fee ( {$55.00} Mo 1-9 ) ; $ XXXX Service Fee ) and XX/XX/XXXX deduction from my checking acct was {$200.00} same breakdown. Then from XX/XX/XXXX to XXXX/XXXX/XXXX amount deducted from my acct was {$170.00}, then XX/XX/XXXX to XX/XX/XXXX amount deducted was {$190.00}, then from XX/XX/XXXX to XX/XX/XXXX amount deducted from my checking acct was {$170.00}. For more than 3 years there were 3 credit card companies only that were settled out of 6 credit card companies that I have a balance with. Upon enrollment in the program I had a Total amount of debt {$21000.00}, they gave me an estimated amount settlements which was {$8800.00}. Service cost percentage was 12 % ; Estimated Total Fees and Settlements was {$14.00}, XXXX. From XX/XX/XXXX to XX/XX/XXXX the total amt deducted from my checking acct was {$12000.00} from this amount the total amount paid to the 3 credit cards was {$4800.00} for that more than 3 yr period. Total amount paid to Harbor/XXXX  was {$7700.00}. At present, I still have 3 credit cards unpaid/to be settled, I have no choice so I opted to extend the program so those 3 remaining credit cards be settled. As of now, I still have money with them amounting to {$1300.00}. I was informed that one of my credit card I owed more than 1K only, I suggested to them to settle the credit card with that balance since I have enough with them to pay it off, but I was informed that the negotiator wanted to settle the other credit card first, which I owed more than 5K. I've been following up with them about my suggestion to settle the lesser amount first but I was only informed that they will get in touch with the negotiator to call me. I followed up with them twice already but negotiator hasn't called me yet. This is the reason why I decided to get help from you, because I believe that they are taking advantage from me. In the first few days, weeks and months with my enrollment in the said Consolidator they've been updating me but after 6 months to 1 year they rarely call or update me. This matter makes me anxious, stressful and I had sleepless nights. I wanted to settle all my credit cards or pay all my debts with those Companies. I have the necessary documents that justifies all the numbers that I mentioned in this complaint I can submit it to you when needed.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I was attending the school for almost a year and never finished my education was making payments upon the loan as agreed but the school had been closed down due to fraudulent charges against students and i felt as though I shouldn't have to pay anymore money into a school I did not finish and closed down due to fraud I've tried to settle these accounts but the settlements that they want I think is unreasonable and I refuse to pay them. As this has gone on for almost 10 years, it has taken a toll on my credit score and don't damage that I need reversed. I believe that the amounts should be forgiven and i shouldn't have to pay another cent to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I attached a screenshot of 2 disputes from XXXX charge off from 5 years ago that's not mine and a credit card that's not mine .. 
If notice the screenshot shows there investigation is still on going ... 

The last four of my ssn XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: CA

Complaint narrative:
I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received another declined from Capital One XXXX because my payments is too low. For the past 5 months, I have paid over the minimum amount on the credit card but not in one monthly payment. I have my Online Banking Bill Pay to automatically send XXXX payment each pay period which may be the reason they're saying too low payments. On XX/XX/XXXX, I contacted Capital One customer service to explain they are basing their decision on a single monthly payment when there is several in the same billing period. In addition, I asked why would they increase my XXXX credit limit when the last 4 months before the increase was minimum. They could not answer that question.

Company response to consumer: Closed with explanation