vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
Amount balance : {$1000.00} Action taken : Garnishment and Rehabilitation Program.

I would like to lodge a complaint for breach of rehabilitation agreement. 

In XX/XX/2019, I filed a BK. On XX/XX/2019, I received an e mail from ECMC requesting to contact ECMC. On XX/XX/2019, the BK Chapter XXXX was granted by the court. On XX/XX/2019, Complainant responded denying that he received. Default notice and asking for loan forgiveness. On XX/XX/2019, ECMC send Complainant requesting to contact ECMC. On XX/XX/2019, Complainant received another email from ECMC requesting to contact ECMC. Because of Complainant 's desire for rehabilitation, Complainant paid ECMC the amount of {$50.00}. Despite payment made by Complainant, Complainant surprisingly received an e mail from ECMC on XX/XX/2019. Again, on XX/XX/2019, Complainant again received an e mail from ECMC. On XX/XX/2019, Complainant contacted ECMC. On XXXX, ECMC representative , XXXX XXXX and Complainant entered into a Rehabilitation in which ECMC agreed that Complainant will pay {$5.00} a month for 10 months. This will get off Complainant out of default. Complainant agreed that the {$5.00} will automatically deducted from his debit card each month. On XX/XX/2019, Complainant received an e mail from ECMC confirming the agreement and the payment of {$5.00}. On XX/XX/2019, Complainant received a Notice of Garnishment from the Treasury Department dated XX/XX/2019. On XX/XX/2019, Complainant received two letters from ECMC confirming the rehabilitation agreement and where the voluntary payment of {$5.00} should be made. Prior to the letter dated XX/XX/2019 a copy of which was received by Complainant on XX/XX/2019, Complainant did not receive or had not received a Notice of Garnishment from the Treasury Department. On XX/XX/2019, Complainant called ECMC and Complain about the garnishment and that the garnishment is improper because ECMC already agreed for the Rehabilitation program. The woman promised to call me after she had consulted with the Manager but she did not. On XXXX 2019, called again ECMC and talked to the Manager XXXX and complained about the garnishment. The Manager told me that he can not stop the garnishment. I explained to him that this not fair because I would be paying ECMC twice each month, from the garnishment and the Rehabilitation program. I told him that I can not afford to pay the loan outright or make a big payment each because I am already retired and my SSS pension of {$1100.00} a month is not even enough to meet my financial obligation and daily needs. But the Manager refused to budge in to stop the garnishment. Hence. this complaint. 

Sincerely, Mr. 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 2019-09-17 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: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received an invitation from HSBC US to apply for a credit card in the mail. I completed the application online. My application was approved. This happened XX/XX/2019. 
I got my credit card XX/XX/2019 and managed to log in on HSBC 's website to view my account. 
On XX/XX/2019 I received balance transfer checks in the mail. 

However, I can not use the card, because I didn't receive a PIN number from the bank. HSBC claim they can not verify my identity. I have spent 8 hours calling and chatting the bank with no result. 
I emailed HSBC 's fraud department a copy of my drivers license XX/XX/2019 and again XX/XX/2019 ( this time from XXXX office ). 
Absolutely no response. 

Why is this bank allowed to commit this kind of deception in the US?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a call on XX/XX/19 at XXXX from XXXX, XXXX XXXX , from an XXXX XXXX  XXXX concerning a debt that was forwarded to his office needing final recommendations prior to sending to the District Attorneys office in my state. I was unable to return his call at the time. In the meantime, a call was placed to my husbands phone, the secretary at my office, and repeated phone call to my supervisors private, personal phone number until she left a meeting to take the call. The message was the same information-a legal matter that needed my attention prior to making recommendations to the District Attorneys office and Sheriffs Office in my state. XXXX XXXX started to my supervisor that law enforcement would be sent to my place of employment at XXXX to serve me with papers/arrest. My supervisor stated that I would not be disturbed at my job. Mr. XXXX stated that he would place a phone call to my superintendent to further discuss the matter, as I am a XXXX   XXXX. Upon my supervisors return to XXXX-she gave me the information from the call. During my planning on XX/XX/19 at XXXX, I placed a phone call to XXXX and spoke to XXXX XXXX. He refused to provide me with written documentation to validate the debt he was referring to. Rather he verbally harassed me, questioned my integrity as a professional XXXX, stated I must think I am above the law and proceeded to state he would submit evidence that I would be charged with grand larceny in my state and would be arrested at my XXXX  the following day. I continued to ask for documentation and he stated he was terminating the call. I called back again requesting documentation and he stated that he had all the necessary information and proceeded to tell me my name, address, place of employment, mortgage company, husbands name, husbands SSN and date of birth, husbands employment. I asked for documentation to be sent to my home address and the phone call was terminated again. My third call to XXXX XXXX, I was accused of harassment and was placed on hold while a 3 way call to my XXXX district superintendents Office was placed. In the call, a message was left on his secretaries voicemail stating that there was information faxed to the office with information regarding an employee. Then the phone call was terminated. The 4th, 5th and 6th calls were also terminated when I asked the representatives to provide documentation to validate the debt, I know my rights, and to make them aware that phone calls were recorded. Mr. XXXX also placed calls to my husband, which were returned but Mr. XXXX was not in the office to speak with my husband at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.

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 non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
During XX/XX/2019, I had my XXXX XXXX XXXX sent to the repair shop, it had common engine cooling issue. I stated this to my bank, ( Santander Consumer USA ), they agreed to lower my payment and work with me, Later on I also got laid off from my previous job, I do have a new job now as of XX/XX/2019. I did not receive any notice to cure or warning. Without my knowledge my car was repossessed XX/XX/2019, early morning, took my personal items, without a courteous warning. They agreed to work with me, if I make a XXXX payment which I did, then completely deny that. I told them it is still having mechanical issues and I also have invoices from the dealer part store and my repair shop. 

Santander Consumer USA XXXX XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have hired a XXXX XXXX XXXX to dispute items on my report and since then all of my numbers have inproved except the Housing Score. It continues to sit at XXXX, where 6 months ago it was at XXXX. All of my other numbers have improved except this one. I'm trying to purchase a home and need my numbers above 580 or better. The number that it shows now has been like this for months. I'd like to know if this is an issue with this company not doing its job.

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 2019-09-17 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: AL

Complaint narrative:
There are three loans showing with XXXX XXXX XXXX XXXX  that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for 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 2019-09-17 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: AL

Complaint narrative:
There are three loans showing with XXXX XXXX XXXX XXXX that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for 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 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2019 I noticed a charge on our checking account in the amount of {$220.00} that was made on XX/XX/XXXX-XX/XX/XXXX [ not sure due to processing ] that was titled " XXXX XXXX XXXX XXXX GA ''. I instantly knew I needed to look further into this charge. Since I obviously am not physically in Georgia, nor have I ever bin there. I contacted the Fraud Department at Bank of America and was advised they will send a new card and to destroy the current one my husband has. We listened to the representative and waited for a response from the Claim Resolution Team regarding the fraud transaction. The bank never contacted us until XX/XX/2019 via US mail letter stated that the transaction in question was authorized and posted correctly to our account and in result we will be charged the funds on XX/XX/2019. 

Today XX/XX/2019 I contacted the number in the letter to ask what append and if they got more information on the suspects. First representative I spoke to just gave me the same information in the letter and just kept repeating himself. So I asked to speak to a manager since he can't do anything further for us. I spoke to a manager rep in the claims department and was advised no investigation was done since the way the transaction was charged [ via chip using my PIN ] it seamed like it would be impossible it was us and that is their decision. I was advised to contact the police department and there is nothing they can do. I tried to get information of the store that processed the transaction but was advised by the rep they don't have that information nor did they try reaching out to the merchant to obtain that information. 

I feel as if this bank is not making correct discussions regarding fraud claims. They didn't even try to investigate so they can protect my hard earned money. I feel like my money is unsafe and I think I may close out my account after having it for over 20 years with this bank.

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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXXI started a Home Loan Modification with Mr. Cooper. During these many months I endured horrendous treatment. The service was so bad, the follow up non-existent. The number of calls I had to make to get answers ( which were never the same ), the amount of personal financial documentation the was lost and resubmitted, the hours on the phone being passed around and disconnected, the lack of any kind of policy that requires their employees to return voice mail messages ... I am certain I am leaving out so much due to having to " let go '' of the stress this company caused me, unnecessarily I might add. NOW, someone at Mr. Cooper has gone into my online account and added an Escrow account that was agreed upon that I don't need. I pay my taxes in FULL and ON TIME every year for the last 17 years. Please see attached payment history. I can not afford the payment they are requiring now - it's hundreds of dollars more each month. It was explained to a supervisor many months ago, that I have a non-liquid account where I pull out property tax funds twice a year without penalty. I pay my property taxes this way since my husband passed away in XX/XX/XXXX. I CAN NOT AFFORD THIS MONTHLY PAYMENT WITH MY CURRENT SALARY. This escrow account for property taxes needs to be cancelled immediately. As agreed to last year by Mr. Cooper. I have called and left 2 messages for a gentleman by the name of XXXX. He doesn't return phone calls. My 3rd phone call was to their call center. I held for 32 minutes waiting for someone to answer, then spent another 30 minutes being placed on hold while a woman desperately fumbled around for answers and placed me on hold 5 times. When she finally came back for the last time she actually told me that they had paid my taxes for me and I now owed them money. Unbelievable. I am back in XXXX. TRAIN YOUR PEOPLE!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
My issue is with American Credit Acceptance i puchase the car. XXXX XXXX XXXX from XXXX XXXX in. XX/XX/XXXX. The car was in the shop the first week i thought it would be fine but after that it was in the shop at least 5 times the first year it was a lemon car and they knew that i aksed them to drop some of that high insterst and payment so i can pay it off i surrendered. the car in XXXX soon as it passed inspection the DMV said its worth XXXX Dollars its still sittng in the mechanic shop for months they still billing me and messing with my credit instead of getting thr car fix and selling it i have paid them over XXXX dollars and they can sell that car and get the rest of they money cause they still saying i owe XXXX after paying all them payments and that money. they are crooks and they better work something out with that mechanic. that storage fee and get they lemon car cause they not going to get one dime from me im through with that car and them let them bother XXXX. thats who they bought the lemon from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Bureau of Med Economics. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NM

Complaint narrative:
I was working as a XXXX Employee, and I'm doing Public Interest Loan Forgiveness. My job was ending, and I know there would be a gap in employment. I called the servicer to see what my options were and I was told the only option was a forbearance. I had the ability to make payments but in a lesser amount. I began a job working for the XXXX at a lower salary ( substantially ). I notified the servicer that I wanted to be taken off forbearance and to make payments. I submitted a pay stub, and was told I needed to redo and IDR application, which I did. I keep getting contradictory information. I had previously submitted documentation that they lost. So now I am uploading to the portal. 

In hindsight, I think I should have been offered a 0 percent payment since I was not working. The customer service people keep telling me contradictory things. I was also told that the amount is based on gross income not adjusted gross income which is a big deal. I have several mandatory deductions as a XXXX worker that dramatically reduce my AGI. 

I would like to know how long the servicer has to review the applications. Every time I call there seems to be a pattern of blaming the consumer, instead of reviewing the applications. I think this is purposeful especially when you need to repeatedly send in the same documents. I am going to send in a payment but I started this process over three months ago and they are continuing to kick the can. If my payments are not on time I am not getting credit for the payments toward my PSLF. Do I get the same benefit when the servicer, loses my paperwork, gives me false and misleading information and then blames me when they can't process the paperwork. What laws govern how long they have to review these documents. 

My goal is an affordable payment based on income, and I don't want interest capitalized because they are giving people ( myself included ) the wrong information. Who services these loans? Is it a private entity do they have shareholders? Are my tax dollars subsidizing this outfit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have removed someone from my checking account two weeks ago and they used a check to withdraw money from my account. We were both still on the checks and I didn't know they still had them. When removing them from the account I asked the banker if they would have any access to my account or the money in it and they said no. I called Chase and they told me it is up to me to get the money back because both of our names are on the checks even though she is not on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Mr.XXXX  XXXX is a victim of identity theft and accounts have been opened in my name as a result of identity theft ... 
XXXX XXXX account # XXXX opened XX/XX/XXXX amount {$23000.00}. 
Next account XXXX XXXX original creditor XXXX XX/XX/XXXX amount {$750.00} And there is Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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