vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XXXX I filed Bankruptcy which has since then been discharged and I am currently making voluntary payments to keep the car. I was told I could only reaffirm the Loan if it was current and because I was past due I would not be able to reaffirm. I was unable to bring current until the Bankruptcy was already discharged. When I contacted XXXX XXXX on XX/XX/XXXX and asked amount due to bring account contractually current, I was told {$1100.00} to pay for XXXX, XXXX, XXXX, & XXXX. On that day I authorized {$800.00} and then returned call on XX/XX/XXXX and authorized remaining balance of {$300.00}. After that payment I would then have been due for XXXX installment on XX/XX/XXXX. I called on XX/XX/XXXX and authorized {$330.00} - when this happened the representative put in the payment for {$770.00} causing my checking account to over draft. I then called XXXX XXXX to advise them of the error. Now up until this moment I was contractually current. But when they reversed the payment in order to refund me the {$440.00} that was taken in error, its created my account to reflect as if now I owe {$220.00} for a partial payment. I have what is called a Simple Interest Loan which they created this interest due with the payment processing error. I 've since been told that I was misquoted the amount to bring current. Then told I have n't made enough payments since beginning of loan. I have asked for a payment history which they have said they have mailed, but coincidentally I have never received. I 've also been told I have outstanding fees due but they can only explain about {$200.00} or so of them as to late fees but unable to explain the remaining balance to me. I then asked to speak with manager I was forwarded to Manager XXXX XXXX at XXXX have left a message but since then no one has returned my call, I have yet to receive the payment history, and my account is still showing past due. I 've since then made a payment on XX/XX/XXXX in the amount of {$330.00} which should have covered XXXX but due to their error applied towards XXXX. My loan has already been closed due to Bankruptcy so I 'm no longer in an agreement meaning they are able to repossess my vehicle at any time. I feel the account is purposely being mismanaged in order for them to keep the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Last XX/XX/XXXX, I spoke to Nationstar about trying to catch up on late payments. I spoke to XXXX XXXX, our Dedicated Loan Specialist, about this matter. She was supposed to take the payments over the telephone as I was unable to go onto Nationstar 's website and make them from there. I called her in XX/XX/XXXX and made a {$2300.00} mortgage payment. We discussed the next payment being made in XX/XX/XXXX I e-mailed and called her numerous times to let her know I was ready to make another payment. She did n't return any calls or e-mails, much to my dismay. Therefore, we got more behind. 

XXXX XXXX, our new Dedicated Loan Specialist, called and asked when we could make another payment. I asked if XX/XX/XXXX 's payment was received and she stated it was not. She went onto say it was more important to get caught up and research would be done to find out where and why this payment had n't been posted to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 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: U.S. BANCORP
State: IN

Complaint narrative:
The bank offered a promotional 0 % interest rate. When it expired I paid off the balance. However, the bank applied the balance to a lower-rate balance and charged me 19 % on the former promotional balance. When I called to complain, I was given the run around and my call was dropped. When I called back in the bank tried to confuse me, but I know they misapplied my payment. My payment, which exceeded the minimum payment, should have been allocated to the highest rate balance, and it was not. The bank wants to cheat me and they think I am too XXXX to know it.

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Phone calls from ( XXXX ) XXXX starting XX/XX/1017 claiming to be Chase Bank stating my account is overdrawn. Subsequent calls have my overdrawn balance getting larger. I do not bank with Chase and I asked that they stop calling. I have received six calls since that date and I have added the number to my auto reject list but the calls continue to come. I contacted Chase fraud unit regarding the calls from this number, and they stated that number is not one of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: AES/PHEAA
State: NJ

Complaint narrative:
LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase automatically signed me up for paperless billing in late summer XX/XX/XXXX. However, the email address they had on file was incorrect, and they never sent me an email to confirm my email address. I had been paying the same minimum amount required for many months. Chase changed this minimum amount, but never notified me. No email ( since they had the wrong address ), no phone call, no text, no physical mail. I then continued to make the minimum payment I had made previously, but Chase started hitting me with late fees, interest, etc, which I was unaware of. I checked my credit score in XX/XX/XXXX and this was the first time I realized Chase had been hitting me with these fees. I tried to work with them, but they refused to take off more then one month of late fees. The worst part of this was that my credit score was severely impacted due to my Chase account being considered " delinquent, '' and my other creditors drastically reduced my credit limit causing my severe financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed an account with XXXX XXXX and the credit reporting agencies several times. I have requested information relative to this account, including documents bearing my signature that serve as proof of the account belonging to me. XXXX is not authorized to collect debt in my state, and therefore, I have not only requested proof of this debt being valid ( NOT billing statements ), but proof that they are legally authorized to collect debt in the state of Georgia and have not received either. I have received one statement showing a balance of {$1700.00} and an account number with no proof that this is an account that I indeed own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX has closed my account and sold it to a collection agency. XXXX XXXX XXXX XXXX  XXXX is owned by Capital One. 

My Case Number for my dispute is : XXXX I have an ongoing dispute with them. On XX/XX/XXXX XXXX XXXX claims they returned clothing valued at {$24000.00} by XXXX XXXX XXXX. I never received the package. They refused to file a claim with XXXX XXXX. I sent them an email on XX/XX/XXXX saying that I was disputing my outstanding balance and would be filing an insurance claim. 

In the meantime they sold my account to a collection agency. They reported to the credit agencies that they were writing off my account. They did not tell either of these parties that there was a dispute. I would like my account returned to XXXX XXXX and the credit agencies informed that there is a dispute. 

I have told XXXX XXXX that my insurance company will either pay them in full or that I will reimburse them in full but that my insurance carrier will subrogate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Hi I live in XXXX XXXX California at a company called XXXX is advertising 100 % financing on purchasing a home the down payment will be from a personal loan up to {$100000.00} that they lend you plus the mortgage which is 100 % financing is that still legal I thought those loans were not legal anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.

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 2017-11-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
I was contacted by XX/XX/XXXX on 1XX/XX/XXXX about a school loan that I do owe. I made a agreement with them on that date to pay {$110.00} per month to bring loan out of default. I made a payment on that date of {$110.00} to enter the program. they notified me that I had to do this right now to avoid garnishment. XX/XX/XXXX later notified me that after recalculating my budget that my payments would be raised to {$160.00} and I agreed and made another payment at that time of {$47.00} in order to be in compliance of agreement. After making this agreement Accounts Control Technology moved forward with wage garnishment on XXXXX-2017. Accounts Control technology was deceptive in making this agreement knowing full well that they had no intention of honoring it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

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 2017-11-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX, Experian & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I got behind on my Navient private student loans and could not afford to make the payments. I tried to get a forbearance to become current on my loan and was told that I have exhausted all of my options. We then attempted to setup an income driven plan and we were told we make to much money to be eligible for this and we did not comply with the correct bank document for my husband. The loans went into default. I was called 5/6 a day and when it went to an account specialist, I was told that there was no way they could take payments. The counselor thru navient asked where I was when I was n't home which is absolutely none of his buisness. He wanted to know how I was going to buy XXXX presents. He insulted me as a person and how I could n't make payments. That i was dead wrong in my thinking and I needed to listen to the " grave '' consequences. All of which I tried to offer solutions with what little money I had left over in the month, but these payments were not an option. I finally hung up and got a manager even though they did not want to do this. She told me to ask family members to settle the account for XXXX! I do n't have family members that could do such a thing. I attempted to apply for the loans she suggested and was denied becuase my credit has been destroyed, she told me I could speak to my account manager with anything else though he was harrasing me and making me feel like I was a criminal though they wouldnt help me when I WANTED to come up with a solution..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Bank Inquiry from XXXX XXXX, 2017 DID NOT APPLY FOR THIS CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: GA

Complaint narrative:
For the last 2 years, I have been making payments to them and when I tried to get my payments lowered they told me they could not do it. I was making my payments on time for 6 months plus on time then they decide to change my payment after I called them to tell them not to change my payments because I was going back to school. Then they tried to charge a late fee and add an extra payment at the end of my loan after I talked to one of their customer service representatives and told her not to change my payments. This year has been challenging because I know I signed up for fixed interest rates but they said I did not and now my payments keep going up because of that incident I just explain.I am so ready to pay them off it took me 1 1/2 years to get my payments under {$10.00}, XXXX. I signed up for interest only payments because after reading the instructions that were misleading I thought I paying off the a set interest rate that was accumulated on the principal of the loan but I was not. Now my payments are going up a {$1.00} it seems like every month. I was at {$210.00} now I am at {$210.00}. I just hope it stays there because I can not afford to go any higher and they are not willing to help with getting my payments decreased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
RE : Complaint # XXXX XX/XX/2017 D.O.C. 
XXXX XXXX XXXX XXXX in my previous complaint I did not adequately explain my complaint. 
I believe the 15 or so inquires in question was not counted as 1 deduction from my Credit report as it should be, because it was for the same type of purchase with in the 14 day window as allowed by law. I believe they were counted as individual inquiries, deducting points as such. please investigate and send me an updated Report. 

Thank you, XXXX 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 2017-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I noticed a {$2.00} monthly " minimum charge '' on my XXXX XXXX Credit Card. I initially thought this was a mistake as I had paid my balance in full XX/XX/XXXX. Come XX/XX/XXXX, I saw the fee racking up each month and called them. They said they experimented with a new fee structure in the summer that charged interest over time ( even when the current balance was XXXX ) instead of charging them per month based on balance owed, like most credit cards do. They said this quickly became unpopular with customers, so they assured me they would adjust the balance to XXXX and that I need not worry. My statement for XX/XX/XXXX still showed a balance, so I called again. They adjusted the balance and again assured me this was taken care of. I saw my statement and it did reflect the fee adjustments, but they charged the entire balance anew, essentially voiding the prior adjustments.

Company response to consumer: Closed with monetary relief