vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 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: KY

Complaint narrative:
I was charged {$27.00} in late fees ( {$25.00} ) and interest ( {$2.00} ) on a {$.00} balance, that I thought was going to be paid automatically after having set up payment on-line. It was unclear to me that XXXX Bank only offers a one-time payment option, rather than autopay like all the other credit cards I have. When the {$.00} balance was not deducted on XX/XX/2019, I received the next statement on XX/XX/XXXX, show a larger balance of {$28.00}. I called that day to pay the {$.00} balance and request a refund of the fee and interest. That request was rejected. I am sending a letter to their Billing Dispute Department to hopefully have a refund processed. 

However, in addition to feeling like these fees are outrageous given the extremely small balance, I believe XXXXXXXX XXXX conduct is also deceptive. Their website should be clearer regarding the lack of an autopay option. Further, when I called previously about a missed payment, I was simply told that the issue was that I had set up for a one-time payment, not that XXXX does not even provide the option of autopay, leaving me to think I had just somehow made an error on-line and that if I resubmitted my request, I could activate autopay for future payments. Finally, during my call with XXXX on XX/XX/XXXX, I stated that I was not going to pay the fees and interest. I was told that that was my choice, but the amount would still be owed. Only when I asked whether additional fees and interest would be applied to the disputed fees, did the agent inform me that they would. This all suggests to me that XXXX prefers to be vague about its payment system and others procedures, so that customers incur additional interest and late fees. 

Last, I do not believe they applied the proper late fee, even if I am required to pay the fee. The late fee is capped by the balance owed. They charged me {$25.00} as a late fee, which was the statement balance at the time the statement was issued. However, a credit of {$25.00} was applied on XX/XX/XXXX, well in advance of the payment due date, leaving a balance of {$.00} being unpaid as of XX/XX/XXXX, the due date for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NM

Complaint narrative:
I received word from XXXX that is was time to recertify my IBR plan. I chose instead to enter a standard repayment plan. The change was processed by the servicer and I was given a month of administrative forbearance. 

On XX/XX/XXXX, I received an interest capitalization notice stating that {$280.00} would be capitalized if not paid by XX/XX/XXXX. Today I logged in to make that payment to prevent any capitalization and in my payment history I noticed that interest capitalization took place on XX/XX/2019. 

You can see from my other attachment that I did not receive any other notices about interest capitalization and I am confused about why this would occur a month early with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: FL

Complaint narrative:
Simons Agency Inc reports on my credit report that I have two accounts one for {$130.00} and another for {$200.00}. Both accounts opened on XX/XX/2018. Nevertheless, I've never received any correspondence form the agency. 

I have not received any service from XXXX XXXX XXXX anytime on the date open or anytime during the year of XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I called to close this account, XXXX XXXX XXXX, and I got a letter in the mail stating that any automatic charges may be accepted and billed. I had a fraudulent charge ( only {$9.00} ), but thats why I closed it and should any more false charges happen they seem to think its my responsibility. CLOSED should mean CLOSED. This is simply a nasty way for a credit card company to potentially make more money on interest, and billing me. Simply not acceptable

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 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My current credit card balance as of XXXX19 according to the website is {$1200.00}. No matter how I add up the transactions, it never equals the outstanding amount. I have spoken with a CSR and a " supervisor '' ( XXXX in XXXX Florida ). They were not able to get to that total either. It is totally UNACCEPTABLE that Chase is not able to account to the very cent the charges they are attempting to bill for. I was also transferred to XXXX the floor manager. She would only say that she works in Florida. I feel that I am being over charged. The bill needs to include a running balance to ensure that customers are not being defrauded out of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have been trying to call Equifax yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to have them unfreeze my credit report that was frozen after their security breach. Every time I have tried to call, they tell me they can't pull up any reports because they are going through a " major security upgrade '' and they do not have " any information '' they can tell us about what is going on. And that I should try calling back every hour. 

It sounds like something major is going on at the agency. And it is terribly problematic that I can't access my credit account. I unfroze my account online using my pin and then moved my account from locked to unlocked, but the lender I am working with indicates my account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX a male representative from a collection agency called from Hunter Warfield telling me XXXX and/or XXXX XXXX owed money from a business called XXXX XXXX XXXX. I immediately looked up the business online & saw it was apartment buildings in Connecticut. No one, including my self, in my family has ever lived in Connecticut. I told him there are 2 XXXX XXXX ( Mother & Daughter ) & 2 XXXX XXXX ( Father & Grandson ) & I asked which ones he was calling about. He could not tell me. I asked for a supervisor & a supposed supervisor named XXXX got on the line. I told him no one in my family owes whatever it is he is trying to collect. I then told him I looked up Hunter Warfield online & saw there were many complaints against his company for fraud & harassment. I also told him this is illegal & very upsetting his company telling me & my family we owed money to someone we never even heard of before. He then said something to the effect that if we are the wrong people, his is removing our telephone number from the list & he hung up on me. I am EXTREMELY concerned that this company is trying to fraud people out of their money & also EXTREMELY concerned that this may show up on my credit report. As I stated, neither I nor anyone else in my family has ever lived in Connecticut. Please help & please stop this awful company from doing this to people. 
Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've disputed Experian reporting a bankruptcy on my credit report in 2015. I've informed them to send me information confirming such bankruptcy but to no avail. They only respond by stating the information in accurate. I've contacted NJ Bankruptcy and they indicated they have no record of a XXXX XXXX filing a bankruptcy in 2015. 

When you check the bankruptcy courts public information, the recording mentions nothing about a XXXX XXXX. The information mentions the name of a person who fraudently used my SS # and this information has been filed under identity theft and forward to Experian who still continue to report false and inaccurate information on my credit report. 

Your agency submitted a previous complaint and Experian responded stating they needed more time and I should have the information within the next 60 days. It has now been over the 60 days and they still have not responded and continue to report inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I placed a credit freeze on my credit with equifax after receiving a letter from equifax say my personal data had been breached this was XX/XX/2019. I then have tried to remove the freeze so I can sign-up for cell phone service with XXXX XXXX XXXX but can not get the freeze removed. When I try on-line they say " can not complete your request right now ''. When I call they tell me " the system is updating to call back in a 1/2 hour to an hour ''. I have called back and called back for 2 days and still get the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I sent a letter to Enhanced Recovery Company stating that I pulled my credit reports and noticed an unfamiliar collection on my credit reports, which I had not been aware of. Rightfully, I requested VALIDATION of the debt, requesting PROOF that I am indeed the party bound by CONTRACTUAL OBLIGATION to pay the debt. I requested PROOF OF AN AGREEMENT with their client that authorized them to collect on the alleged debt, and most importantly, an agreement BEARING SIGNATURE of the alleged debtor wherein he promises to pay the creditor. They provided NONE of the aforesaid VALIDATION. All I received was VERIFICATION in the form of a phone bill with my name on it. No VALIDATION whatsoever that this account belongs to me or that I entered into a contract. Yet, they continue to report this inaccuracy on my credit reports. When I initially filed a complaint with the CFPB, Enhanced Recovery Co. responded that they received my request for validation and that they " verified '' ( not validated ) the account. VERIFICATION and VALIDATION are not interchangeable! There is a difference between " validation '' and " verification ''. I did NOT request verification. I requested validation! They have not been able to furnish anything that proves that I am contractually obligated to this account in any way or that this account belongs to me. They are unable to VALIDATE the contract, yet continue to tarnish my credit worthiness by reporting this inaccurate information to multiple credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
I have a case against me for a past medical bill, total amount was {$5000.00}, now its {$4700.00}. 
I have been able to make payments. I have want to get this taken care of. 
Since XX/XX/2018, i have had some issues like : change in job position -- which i make less money now, death in the family & some health issues. I have not fell behind on purpose. I received paperwork not negotiating but ordering me to pay a certain amount on a certain date & I thought if i didn't do that, I would be in bigger trouble. 
So some issues recently forced me to fall behind & now they want my personal finance info. 
case # they gave me -- case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
Took out student loan for my daughter on XX/XX/XXXX ; total loan was {$88000.00}. I lost my job in XXXX and was out of work all of XXXX. I returned to work in XXXX at a greatly reduced income. In XXXX I requested payment options but was only offered forberances to the point the loan amount due doubled, {$170000.00}. Only then was I offered a monthly payment which totaled over {$1500.00} month. I am now again unemployed and as of XX/XX/XXXX am being threatened with legal and garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) from XXXX on XX/XX/XXXX. When my loan was transferred, there were a lot of problems regarding the interest rate coupled with monies SPS suggested I owed, however SPS has yet to provide documentation for the amounts in question. 

I contacted Select Portfolio Servicing shortly after my loan was transferred and adv. that my interest rate was incorrect. XXXX offered a rewards program ( XXXX XXXX XXXX XXXX ). Details below. 

XXXX XXXX XXXX XXXX program provides you with the opportunity to lower your interest rate. After a customer makes 12 consecutive months of on-time payments, the interest rate is reduced by one quarter of one percent ( .25 % ) each year. This rate reduction is available up to 12 times, which means that a customer can achieve up to a 3 percent rate reduction in a minimum of 12 years. This program applies only to closed-end real estate loans. The rate reduction is disclosed in your loan agreement ( not including all states and for all loan programs ). 

I made timely payments for the first 2 years thereby my interest rate should have been reduced from 11.2 % to 10.7 %. 

I submitted a copy of the XXXX loan documentation to SPS. Although SPS has yet to provide documentation regarding the outstanding amounts, it was suggested that the interest rate inquiry was resolved. 

While speaking with a representative on XX/XX/XXXX, she suggested that the effective interest rate on my account was 11.20 %. This was extremely disheartening. 

Indubitably, I am writing to file a formal grievance against SPS for not honoring the terms and conditions of my mortgage contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I acquired the home that i had lived in for 15  years via a divorce. Ex husband gave me the house and a gift of equity and deed was transferred. I had contacted SPS in late XX/XX/2018 after my divorce in XX/XX/2018 to begin to assume the mortgage. The plan according to them was to Assumption of mortgage 1st then a Modification. SINCE submitted all required documents early XX/XX/XXXX i have been in constant communications with them every week since early XX/XX/XXXX. I have submitted and re-submitted documents. They alleged they did not receive certain documents or they will ask me to submit documents because they need certain numbers CIRCLED on my bank statements. I just resubmitted for the 2nd time my childrens income that i get due to my XXXX, even thought all of this was submitted in the initial application. I was originally told mid XX/XX/XXXX that it will be 30 days. It is now XX/XX/XXXX-nearly 2  months later and i am still getting the run around submitting documents all over. I am on social security XXXX and get child support and alimony. all that was documented. this run around has caused me alot of stress-not knowing whether i will wake up with a foreclosure sign on my front lawn. 

In addition, ex husband gets periodically phone calls from SPS ( the Florida location ) not Utah ) stating NONE of the documents and the application has been submitted. THis is a typical case of the right hand does not know what the left hand is doing. Just too many people handling my case and no resolution. I have also sent emails to Ombudsman  over at SPS and that has never been answered. I also sent emails to the agent that is suppose to be handling the case 2 times and he has not answer neither of my emails. 

Select Portfolio Services is essentially bleeding the equity of my home. i only owe XXXX. but since my ex husband left we are behind. I have since acquiring the home been sending XXXX dollars to cover some mortgage in hopes that i don't fall too far behind. But as far as i can see the money that i am sending is not getting applied and i am now behind XXXX. Of which XXXX or so is late fees and application fees. 

I would really appreciate some help in this matter / suggestions. The loan is still currently under my ex husbands name due to lack of follow through from SPS. 

THanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) has been playing cat and mouse to close my account and complete my Trustee to Trustee Transfer. It has been over a month since I have sent my request and they haven't been able to close my XXXX  account and complete my Trustee to Trustee transfer. They also charged me {$66.00} on a single day ( XX/XX/2019 ) and still has not closed my account. I am losing money on an alternate investment. The company should be penalized for not being able to close an account on time and charging me a customer fee and lost opportunity cost on an alternate investment opportunity I would have made by now. 

T

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im trying to set up XXXX and estate planning for my XXXX mother. I currently have a security freeze with Equifax. Everytime I call, they say system is updating and call back in an hour. Its been 24 hours now and my mothers application for XXXX and my estate planning is on hold. Im here in Florida trying to resolve these issues and I have to fly back in the next few days with my mothers life in XXXX and finances are in limbo. This could be a very expensive glitch and XXXX of dollars are in the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/19 hi received an email from Equifax stating that my dispute was resolved and attempted to access the results online ( unsuccessfully ) and was redirected to call in. Upon calling Equifax the same day, I was told that they were unable to access my credit file because their system was " updating '' and to call back in a half hour to an hour. I then questioned the representative and informed them that the same thing happened to me when I attempted to file my dispute a month ago. I assumed that the issue would be resolved in a short time, however I was sadly mistaken. 11 phone calls later, I was repeatedly fed the same line from everyone I spoke to.This morning, over 24 hours later, I am still unable to access my credit file. I am in the process of applying for a loan and can not lift the temporary freeze on my account so they may access my file as well. Nobody has any answers as to why this is happening or really seems to care. I hope some oversight from your agency will hold the individuals from corporate responsible for their actions ( or lack thereof ) and deal with the parties who feel that this lack of accountability and service to consumers is acceptable. How can this company be trusted with highly sensitive and private information when they are not even capable of performing their SOLE function?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
In XX/XX/2018 I took out a loan of XXXX. XXXX takes out XXXX dollars every 2 weeks. Upon trying to pay off the loan in XXXX, the payoff is only XXXX. In California the legal interest rate for a XXXX dollar payday loan is XXXX dollars. I have paid beyond that in interest. This is very illegal. My payoff should be less or completely paid off already. 

I called in XXXX. No one called back. I sent out a email in XXXX and no response. I have sent out another in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation