vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and Im a victim of a company called Blue Trust Loans. They initially deposited {$1400.00} into my account and I told them I can pay it off in three payments. After the third payment I noticed they were still debiting my account twice for XXXX, then I immediately contacted XXXX of XXXX and they placed a temporary block and temporarily placed the funds back into my account. On XX/XX/XXXX, XXXX XXXX XXXX claims my information did not arrive in a timely matter ; however, my letter was fax to XXXX   XXXX XXXX on XX/XX/2019 with a OK confirmation. So Blue Trust Loans is using the old bait and switch deception to think you signed documents for 6 payments, but I clearly was shown my 3 payments : # 1 XXXX. # 2 XXXX and the final payment was for {$250.00}. Please investigate this company Im a XXXX Veteran who lives on a fixed income and cant afford to lose any money. I requested to see the contract I signed to no avail. They told me it could take up to 45 days for them to receive those documents, and as of today I have not received anything from this predictory lender. 

Thanks in advance

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 2019-05-21 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: NY

Complaint narrative:
On XXXX XXXX,2018 I was doing my taxes when I noticed an Altered check on my Bank Statement. That very day I went to my local ChaseBank and submitted paperwork regarding the check/incident. That very day I also went to the XXXX County NY XXXX Precinct Police Station and filed a police report # XXXX. 

I followed up with Chase over the phone and multiple times I faxed them affidavits in that they required and multiple times they lost the paperwork. Finally my signature went through after months of following up. I did not receive any written notice/acknowledgement of any kind. They said my claim would be determined 90 days after the affidavit. Because they didn't acknowledge receipt of my first fax that decision date became XXXX as the 90 day mark. Again no letter or correspondence. I finally get their claims department on the phone they tell me there is no claim on my file. I insisted there is and now they say my CLAIM IS DENIED. it is denied because of my time frame. they said I only had 14 days to make a claim from the day the money was withdrawn because it is a business account. they told me its federal law and has nothing to do with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have contacted XXXX XXXX via letter and phone call requesting a copy of the agreement or contract bearing my signature to validate the debt is indeed mine. They responded with a system generated letter. Stating my request was too vague in nature signed by a XXXX XXXX. I replied back via letter again requesting documents to verify the debt is mine. No reply this has been in excess of 90 days and I have sent 3 different letters. 

I also called to speak with XXXX XXXX to ask how was the truest too vague I was informed that she has no worked for XXXX XXXX in years. Due to failure of verification request removal and deletion of debit for all credit reports

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 2019-05-21 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: TX

Complaint narrative:
remove al soft inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: WA

Complaint narrative:
I submitted a review XX/XX/2017 for my PSLF through FedLoan Servicing that has yet to be resolved and which no timetable for resolution has been given ( despite repeated calls and messages ) up to this day. The issue began when XXXX   student loans were automatically transferred from XXXX to FedLoan, which was not of my choosing. Despite applying for REPAYE on time ( and being approved ), I was charged a full month 's non-REPAYE amount which is completely untenable to pay back on a XXXX 's salary. I opened the review to appeal to override this $ 2000+ amount, called at least ten times regarding the matter also without conclusion. Though the monthly amount was finally changed to the correct REPAYE amount, since this time there has been a wide discrepancy in the number of PSLF qualified payments between different loan accounts. For example, loan # 6 only shows 3 qualifying payments while loan # 8 shows 14 qualifying payments ; I have not taken out new loans since XXXX began and there should be no reason for this difference. As I complete XXXX, it's essential to know where I stand in terms of PSLF progress as I chart out financially how to pay back > {$300000.00}. The fact that a review has not been completed after almost 1.5 years without any indication of when this will occur is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. There are still items on my credit that are not mine.

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 2019-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I XXXX XXXX PAID MY RENT EVERY MONTH ON TIME AND DO NOT SUPPOSE TO HAVE THIS ON MY CREDIT AT ALL. THE LADY THAT WORK THERE WAS NAME XXXX AND SHE WAS NOT A NICE PERSON AND PUT ALL OF THESE NEGATIVE LATE FEES ON MY ACCOUNT WITH XXXX XXXX XXXX. SO I NEED VALIDATION AND VERIFICATION AND YOU ALL NEED IN INVESTIGATE THIS CAUSE AINT NO WAY I OWE THIS MUCH WHEN I PAID ON TIME EVERY. MONTH. SO GET IN TOUCH WITH THE APARTMENT CAUSE THIS IS NOT FAIR OR I WILL TAKE FURTHUR ACTIONS IF THIS IS NOT RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account does not belong to me. I have disputed it with the credit bureaus and I have obtained an FTC trade report and a police report. I expect it to be removed in a timely manner.

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 2019-05-21 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:
i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed my card was misplaced so I went online to check my account and noticed that XXXX dollars was missing out my savings account. I filed a claim with the bank stating that I didnt authorize anyone to take the money out my savings account but they refuse to look into the matter further.

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 2019-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
onXXXX XXXX odf XXXX Chase decided to tell the credit bureaus that my account was in a bankruptcy. This violates section 15 U.S.C. 2 1681 c [ a ] [ 1 ]. This can not be repoerted with any mention of a BK. They have also erased my pay history, even though i paid the for 13 years. This hurts my credit and it is violating the federal rules.The BK was filed over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
When I've made extra payments on my loans, it never goes to the principal amount. I have two ( 2 ) loans with them. I have asked them to separate them so I can receive separate statements. They told me they are unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: NC

Complaint narrative:
I am a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine.

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 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with XXXX/Calvary Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
This account does not belong to me. I would like for it to be removed in a timely manner.

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I opened a Comenity Bank Burkes card. My house burned down, XXXX XXXX XXXX, XXXX, KY XXXX. I lost everything except my life. Once I got going again, the Burkes card had gone into a charge-off. I tried to fix this issue. I made {$100.00} payment XX/XX/XXXX to begin paying it off. It was sold to XXXX XXXX XX/XX/XXXX and the {$100.00} payment was not applied to the balance. Comenity Bank sold an inaccurate balance amount and I believe this is a FCRA & FCBA violation, reporting and verifying inaccurate information. 

I mailed a validation letter to Comenity Bank, no reply. I believe this is also a violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX transFer mortgage to Gregory funding to serving. snd. also. sold my mortgage. ownership and. 
new owner. # acc. is. the. same. as the new servicing. 
company. I need to request letter of mortgage truth lending disclosure statement

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 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have tried to contact this company several times and they have refused to remove this debt that I have no knowledge of, off my credit report. I have also submitted a dispute a week ago on XXXX XXXX to the debt collection company and still have not received a response. 

I run several businesses and my credit is VERY important to me as I am trying to buy a house. My credit score was 700+ before this unknown collection and it is my ONLY collection. I am XXXX XXXX XXXX and do not want this collection company to ruin my credit for the rest of my life for a debt that is not mine and one that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with CareCredit/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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have disputed this account ( balance with Midland Credit Management ) for the past year and 1/2. I  explain to them I do not owe the amount listed. I have requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a small business account with Bank of America. A representative reached out to me last year, saying they were offering me a FREE check deposit machine, as part of a pilot program that I qualified for. We had one phone conversation. When the machine arrived, it was very clunky and hard to assemble. Once assembled, it didn't work. It wasted my time, so I took it to the XXXX branch in the box and asked that they return it to wherever it came from. I thought then that I was done. But then months later {$15.00} charges started coming out of my account. When I called to query and found out it was for this service that I NEVER activated, they reversed some of the charges. But they kept coming, so I called again and again, and asked that they settle the issue once and for all. So they cancelled the service ( which I never authorized ), and charged me {$250.00}. I spoke to someone a few weeks ago about making sure that gets removed and that I don't hear ANYTHING about this again. The issue has wasted tons and tons of my time and energy, for no reason at all. I'm flabbergasted. Anyway I haven't heard anything back, and really don't want to call yet another time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I'm a XXXX XXXX  XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is drug dependent and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 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 non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
In XXXX of XXXX, I closed on a mortgage that was serviced by Specialized Loan Servicing ( SLS ). At the closing of the loan, I paid {$6000.00} from my own funds towards property taxes. This is clearly recorded on the HUD, and I have the receipts from the county tax office showing the payment was taken from my funds and mailed out by the title company. I also paid {$1300.00} to set up escrow with the servicer SLS. 
A year later SLS sent me a escrow analysis claiming they had paid the XX/XX/XXXX property taxes from escrow and that I now owed them {$4600.00}. I spent 8 months writing letters and making phone calls trying to get them to correct this mistake. I sent them the HUD statement, receipts from the tax office, wrote letters detailing their mistake. Finally, they made an adjustment to my escrow in XXXX of XXXX. Around that time, they refunded some of the money they had collected towards escrow and told me to wait until the new analysis. They also reduced my payments from a higher amount, which I was forced to pay to not foreclose. 
In XXXX of XXXX, I received a 1098 not showing the correct amount of property taxes paid. I called and asked them to fix it. Even though the representative acknowledged the mistake, she said she couldnt fix it. I put the correct amounts on my tax forms and inquired with the IRS about what to do in these situations. IRS rep told me SLS is required to fix and provide a correct 1098, but, to this day, they havent. Then, SLS sent me another escrow analysis, still with totally incorrect numbers that were not fixed. Instead of going back and fixing the error from the beginning, they just put a random amount as credit towards escrow. I called and request that they go back and do the works so the numbers represent the actual payments. The representative pretty much laughed at me and said they wouldnt do this. All I am requesting is a correct escrow statement representing the real payments and not some patched together statement with made up numbers. Also, it would be great if they could give me a correct 1098 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