vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX store card. On XX/XX/XXXX I purchased furniture and financed it using a " 12 Month Special Event '' financing. The terms of the financing agreement were that the interest would be deferred for 1 year and the full interest would be due at the expiration of the agreement on XX/XX/XXXX if the principle had not been paid in ful before the expiration. 
On XX/XX/XXXX I paid the full balance of my XX/XX/XXXX statement. This included the remaining " Special Event '' balance in full. XXXX XXXX XXXX allocated a partial payment to the " Special Event '' balance and also allocated a {$27.00} minimum payment ammount to charges made in the future ( XX/XX/XXXX ) billing cycle. The application of a payment towards the current statement ammount to the current balance and future statement, is a violation of the terms of the XXXX XXXX XXXX credit agreement. As a result {$27.00} remained on the " Special Event '' balance on my XX/XX/XXXX statement along with a debit for the entire interest that would have accrued on the " Special Event '' financing. I was able to contact Customer Service on XX/XX/XXXX to get a full refund of the interst. I still had to pay a {$27.00} late payment fee on the XX/XX/XXXX statement balance. Due ot my confusion I did not want to make a payment until I had resolved the huge discrepancy on the XX/XX/XXXX statement. 
To add insult to injury, I am a XXXX employee who was not receiving pay during the entire period that these charges were being sent to me and my attempts to resolve the issue. 
This is, in simple terms, a con or scheme on the part of XXXX XXXX XXXX to confuse their customers into making large interest payments that they are trying to avoid. In the 11 month run up to the final payment being due, XXXX XXXX XXXX never miss-allocated a payment. All of my payments went towards the balance of the current statement. Only on the last month did XXXX XXXX XXXX try to confuse me by miss-applying a payment to a future billing cycle. I worry that other consumers would fall prey to this con. CFPB, pleaes help protect consumers from this scam and others like 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 monetary relief
Consumer complaint received 2019-02-05 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: Atlanticus Services Corporation
State: NM

Complaint narrative:
On XX/XX/19 at aprox XXXX, a representative of the XXXX XXXX XXXX  XXXX  contacted me at my work I have repeatedly asked them not to call my work. This is thier 5th time doing so. Twice I even issued a verbal cease and assist for my job. When I have repeatedly told they representatives to not call my work and to take the number off, they have ignored me, they have never tried to contact me at my cellphone. The XXXX XXXX will not stop with its harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
THIS IS THE LAST REQUEST FOR SOMEONE IN YOUR PLACE OF BUSINESS TO READ THE BANK STATEMENTS SENT MANY TIMES TO YOUR BUSINESS. 

WHILE YOU THREATENED TO ACCELERATE MY LOAN XX/XX/XXXX, FOR YOUR COMPANY NOT ABLE TO FIND ACH PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX. 

THIS HAS CAUSED ME TO lose A JOB, MUCH XXXX AND MUCH WASTED TIME FOR YOUR INACCURACY OF MANAGING A HOME LOAN! 

ATTACHED AGAIN, IS MY XX/XX/XXXX AND XX/XX/XXXX WHICH PROVES AGAIN THE PAYMENT MADE TO YOUR COMPANY SETERUS , INC . SO I PAID YOU THE {$2000.00} YOU REQUESTED FOR OVERSITE OF MY PAYMENT! 

INSTEAD OF MENTIONING XX/XX/XXXX NON PAYMENT, HOW ABOUT YOU APPLY THE OVERAGE OF {$2000.00} SINCE MY BANK AND BANK STATEMENTS PROVE I PAID. 

{$2000.00} LESS {$1100.00} FOR XX/XX/XXXX LEAVES {$940.00} THE WAY I SEE IT! I OWE YOU NOTHING UNTIL YOU ADMIT OF YOUR MISTAKE LET ALONE THE HARDSHIP YOU PUT ME THROUGH FOR EIGHT MONTHS! 
MY MORTGAGE IS DUE ON OR BY THE XXXX OF EACH MONTH! SO I DONT OWE YOU NOTHING UNTIL YOU GET THIS FIXED! YOU ARE OVERPAID! 

NOW YOU WANT TO TALK ABOUT INTEREST FOR EIGHT MONTHS AND HARDSHIP YOU CAUSED? 

I HAD TO BORROW MONEY NOT NEEDED FOR YOUR MISTAKE. I HAVE CONTACTED XXXX LEGAL DEPT. LETTING THEM KNOW AND THEY HAVE TOLD ME SETERUS, INC HAS THE MONEY! SO THEY ARE INVOLVED NOW! 

FIX THE PROBLEM SINCE MY ACCOUNT IS OVERPAID AND MY STATEMENTS PROVE IT! DO NOT SEND ANY MORE THREATENING LETTERS UNTIL YOU FIX THIS PROBLEM AND STOP WASTING EVERYONE 'S TIME FOR YOUR MISTAKE! 

I SENT THESE STATEMENTS BACK IN XX/XX/XXXX AND YOU HAVE STUMBLED YOUR FEET WITH EVERY EXCUSE WAITING TO GET MONEY NOT NEEDED! 

I DO NOT WANT TO HEAR NO EXCUSE WHEN YOUR PRYOR LETTER THROUGH CFPB SITE INDICATES THE {$2000.00} WAS FOR XX/XX/XXXX AND XX/XX/XXXX WHICH SETERUS COULD NOT FIND. 

FOR THE RECORD, YOU WILL GET NO MORE BANK STATEMENTS WHEN MY BANK PROVES TO ME THE ACH WENT THROUGH. MY STATEMENT IS MY PERSONAL BUSINESS! 

MY CONTRACT READS I HAVE TO PAY MY MORTGAGE, BUT IT DOES NOT READ I HAVE TO OVERPAY A SERVICE PROVIDER WHEN THEY CANT FIND ACH PAYMENTS! FIX IT! 

XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE IT? 
XX/XX/XXXX XX/XX/XXXX ACH {$1100.00} DO YOU SEE 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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I am serving as a XXXX  at a XXXX XXXX in part because after 10 years my loans are supposed to be forgiven under the Public Service Loan Forgiveness Program ( PSLF ). 

I recently certified my employment and was informed by XXXX  that only 5 of my payments in XX/XX/2018 were " Qualifying Payments '' for PSLF. The other 7 payments were not counted because the payments were prepaid. 

XXXX does not publicize their very counterintuitive policy that a prepaid payment is not an on time payment under PSLF. XXXX on their website describing PSLF requirements writes : " If you make a payment for more than the scheduled payment amount, the excess amount may be applied to cover all or part of one or more future payments, unless you request otherwise. Depending on how much extra you pay, its possible that your next due date could be a month or more in the future from the date you made the extra payment amount. This is called being paid ahead. If you make subsequent payments during a period when you are paid ahead, those payments wont count toward PSLF. '' This is deceptive and suggests only that additional payments made during the paid ahead status time will not count towards PSLF, not that none of the payment applied to future payments will qualify. There is also nothing in the congressional record to suggest that when Congress passed legislation authorizing PSLF, it intended prepayments to be excluded from Qualifying Payments. 

Furthermore, XXXX informed me that where the prepaid money comes from AmeriCorps or PeaceCorps grants, the prepayment is counted towards Qualifying Payments. My prepayment was the result of a National Health Services Corps ( NHSC ) grant ( https : //nhsc.hrsa.gov/loan-repayment/index.html ). These are similar federal grant programs that offer student loan repayment money as an incentive, and there is no reason why XXXX should treat different from PeaceCorps or AmeriCorps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt? 

No it doesnt. So why is the score impacted? 

Credit reporting bureaus having massive differences in scores??? Why?? 

Why do only 2 agencies show up on the scores? XXXX  and Equifax? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this stupid country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same # % *ing house XXXX!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was purchased by XXXX XXXX XXXX, d/b/a Mr. Cooper effective XX/XX/XXXX. On XX/XX/XXXX, the lender sent me a message that my escrow is in deficit and that I owe an extra {$6.00} per month. My escrow account is only for PMI payments. I pay {$1800.00} every month to my lender. This includes principle, interest and PMI payment. The lender then pays PMI out of the escrow account. I don't have access to the escrow account. My loan is a 30 year fixed rate mortgage and the PMI payment does not change. 

The lender 's allegation that my escrow is in deficit is wrong and fraudulent and deceptive as I don't have access to my escrow account and I never missed a payment. I am current on all my balances and the latest monthly statement shows {$140.00} in my escrow account. The escrow review statement seems like a shakedown to increase my monthly payment on a 30 year fixed mortgage. 

I sent a letter to my lender on XXXX XXXX, XXXX asking them to fix this, but they have not responded. I also called them on XXXX XXXX, XXXX and XXXX XXXX, XXXX but they are unwilling to resolve this issue. but they are unwilling to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: CA

Complaint narrative:
I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX  XX/XX/19 and spoke with XXXX XXXX he stated that XXXX told them to add the fraud alert again on XX/XX/2019. My file number for the removal for XXXX XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called XXXX  on XX/XX/2019 the confirmation number is XXXX. Received a letter from Experian XX/XX/2019 that they added and extended fraud alert for 7 more years

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 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resolve Partners, LLC
State: AZ

Complaint narrative:
I am extremely concerned about privacy practices of this company. 
I was shopping for a new car and noticed a recent reporting from a collections agency. I disputed the charge in collections because I had already paid it to the property management company in XX/XX/2015 shortly after vacating the property. In response to my dispute, I received a letter informing me it is my debt to be paid and please refer to the lease attached. 
The lease attached was for an entirely different person at a different property managed by the same company. The letters included the full lease and all certified letters sent to this individual. I contacted the woman to inform her they had made this mistake and warn her to watch her credit report just in case they had done this before. She informed me she has had issues with identify theft and has been trying to dispute this charge for quite some time. I sent her a copy of the letter that was sent to me for her records. 
The order that the papers were in appears as though someone grabbed from a stack and assumed all of the papers below the letter addressed to me were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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:
EQUIFAX AND XXXX " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
We got a flyer in the mail for a credit card from a company we have never heard of, named XXXX. There was an offer for a balance transfer at 0 % APR for the first 21 billing cycles following each balance transfer. As well as 0 % APR for purchases for the first 21 billing cycles following the opening of the card.

When we called to open the account, we wanted to wait until we got more information in the mail with the card, to look into it and make sure it was a valid credit card before we gave out our checking information for a balance transfer, but we very much opened the card to take advantage of the 0 % APR for 21 billing cycles for balance transfers. 
Fast forward to today, XX/XX/XXXX, we get the card in the mail and call to do the balance transfer. Come to find out, we apparently opened the account on XX/XX/XXXX, and are no longer able to get the 0 % APR balance transfer and there is no 0 % APR on purchases. We would not have gotten this card if it were not for the offer, and then upon calling the company, they say there is nothing they can do. We are literally on day 47, and feel that obviously being as we just got the card ( or any information past the little flyer in the mail ) in the mail in the first place today, it was obviously not even a valid offer to offer us the balance transfer, because we could not even take advantage of the offer. Also, the company is stating that there is no 0 % APR for purchases at all. We feel that this company is either really not a valid company or something is wrong with their business practices. We would like the account removed from our credit history and want nothing to do with this strange company that seems 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 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My Loan was transferred to Mr Cooper in XXXX of XXXX. Until then, everything was fine and being paid on time by the predecessor service Company. I got a letter in XX/XX/XXXX from my County which handles the real estate taxes for my property stating that my property taxes were not paid and my taxes were considered delinquent! The payment was due in XX/XX/XXXX. When I called the county they said that they did not receive anything from Mr Cooper. I then called Mr Cooper and got the full run around from person to person to person. Each one saying something else like " oh it shows here it was sent out last month '' or " we can not tell you any details on check number or weather the check was received by the taxing authority or cashed ''. 

I decided to give them the benefit of the doubt and wait an extra week or so to see if the county district  was just delayed in its processing but when I called they informed that they did not receive anything. I have read other reviews online and see very similar stories. Someone needs to do something about this!!! This can not keep happening to regular mortgage paying homeowners!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX  THIS IS IN RESPONSE TO CFPB:XXXX TODAYS DATE:XX/XX/XXXX I HAVE NEVER RECIEVED A RESPONSE INTOTHIS INVESTIGATION DATE BACK TOXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have two debts older than 7 years.This has automatically fallen off with the other credit reporting agencies. I have tried three times to resolve this with equifax and they refuse to remove the old debt. This causes a point spread of XXXX points lower with their credit reporting than the other agencies. That's a very significant hit and its because they are still including these accounts older than 7 years as part of my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: AES/PHEAA
State: ID

Complaint narrative:
I started pursuing a XXXX degree in XXXX at XXXX XXXX XXXX in XXXX Utah in XXXX and was told that I would be in debt of {$45000.00} upon graduating. They did all of my XXXX and Federal Government loans and I never really understood the amount that they were applying for. I graduated in XXXX with my XXXX degree, but had to get a forbearance. I had a forbearance up until XXXX. I am now finding out that I owe {$91000.00} for Federal Student Loans, and I believe that they have double charged me for classes and/or charged me for classes that I either didn't take, or were irrelevant to my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have been contacting Medical Data Systems for about 2 months and disputing this medical debt from my credit report. I spoke to several representatives and I told them that I did not owe the debt because I had health insurance coverage, and according to their records, I was listed as self pay in their system. I contacted my insurance carrier received an email from them stating that I had coverage, then I took the letter to the XXXX spoke to a supervisor and they provided me with an itemized bill showing that I have a XXXX balance, and stated that it was their fault that they did not submit the information to my insurance carrier, and that my insurance information was in their system. I then contacted Medical Data Systems to provide them with the information. However, they already had all of the information in their system and shows that I have a XXXX   balance. So! I asked the manager if this will be deleted from my credit report because I did not and do not owe the debt. The supervisor mentioned that it will not be deleted that they are just going to update the information but it will remain on my credit report. This debt was never suppose to be on my credit report in the first place as they are continuously reporting incorrect information.

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