vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My tax preparer wrongly direct my IRS refund into my closed business account : Bank of America XXXX XXXX XXXX. When we finally located the funds that the IRS had sent to this account, it was not rejected and returned to the IRS but deposited. After talking to many representatives since XX/XX/XXXX, I could not get a straight answer. I spoke with a representative to give the new account address to send the refund of {$4500.00}. I was told to wait up to 15 days. I waited and nothing came. I called into Bank of America again only to be told a check had gone out to the old address and a ticket would have to be submitted to cancel the check. I was not told when I would be issued another check. On XX/XX/XXXX, I received a letter telling me to call the Global Account Closure department for assistance with my cashier check. When I called, no one knew how to access my account. I then call the XXXX XXXX XXXX and spent 2 hours on the phone trying to get help. They finally found my money and said a cashier check would be issued. I received the cashier check made out to my business name and had to open another business account with XXXX XXXX   in order to cash it. This was on XX/XX/19. I received notice from XXXX that on XX/XX/19 the cashier was returned. I have been on hold with customer service numbers for hours unable to find anyone to help me locate and receive my refund of XXXX. I have been devestated by this. Unable to pay bills. I am under extreme distress. Bank of America is holding my refund and I don't know what else to do. 

They have had my IRS refund since XX/XX/XXXX in a closed account.

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 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
XXXX 's mortgage payment was submitted on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. I resubmitted the payment on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. Made a pay by phone payment on XX/XX/XXXX but it was not processed. XX/XX/XXXX a payment was made. It was refunded XX/XX/XXXX. 
They are not processing our payments. T

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
In XXXX of XXXX and XXXX of XXXX Iowa Student Loan/XXXX loaned me two amounts {$5800.00} and {$3700.00}. No problems with that but as I learned about repayment and and interest rates when reviewing things I learned that my interest rate was 8.4 % fixed rate. I tried refinancing a few years back when my husband mentioned how high that was, and at the time I didn't care much i was doing my job by just paying my debt. Now today, I opened my account to review it again and just realized what I've been doing and how I'm getting taken advantaged of. Those two loans total {$9600.00}, however the payment history showed that I have paid {$18000.00} to date- that's twice the amount of the loan. And to brake it down {$6200.00} for a principal and {$12000.00}. I'm outraged by this, I feel like that have taken advantage of me and now here I sit with a feeling that this isn't right at all. I still owe {$7000.00}. I feel like i've been ripped off. That they are just reaping in the benefits of all this interest and here i am stuck paying this loan off till i'm XXXX. How can this be right?

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 2019-05-08 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am XXXX  and I lived in CA for two years with a XXXX XXXX. During this time, I worked with XXXX authorization with a XXXX, and I spent around USD {$180000.00} a year ( USD {$100000.00} only in my credit card ). Now, I am coming back to CA to do my XXXX, and I would like to get my credit score. However, the system was not able to get my credit score. Even my bank was not able to see my score ( XXXX  XXXX ). Please, let me know how I could get it back. 
Best, 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 2019-05-08 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have disputed multiple items on my EQUIFAX credit report - the most recent being XXXX confirmation - When I try to view the results online - the service is never available. 

When I call them - and they ask the challenge questions, I can not verify all of them, as some DO NOT apply to me ... which is WHY i'm disputing a few items. 

I '' m stuck. And they are not offering any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
default judgment against me for over {$2000.00} obtained in XXXX, though I didn't learn about it until XXXX ; over the years, I've repeatedly advised both the court and law firm that I do not owe ; repeated requests of law firm for proof that I owe unknown plaintiff anything have been ignored ; I was never notified of any court hearing and never afforded an opportunity to defend ; Pressler law firm wants wage execution and obtained a writ of execution? 

It's like our courts have sanctioned stealing ... how can this be allowed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
This debt is not mine and it still continues to show up on my credit report. I have yet to receive any information regarding this debt and never was contacted by phone either. The amount owed is also incorrect due to damages done by tenants ( not me ). There were other tenants on lease and I am not responsible for this. Also, I have called and emailed and nobody will respond as well ( I can provide proof ). This needs to be taken off of my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Finance LP
State: MA

Complaint narrative:
Selene finance incorrectly determined that there was a lapse in my home owners insurance. As a result, they purchased a policy on my behalf without notifying me. This increased my monthly payment, also without notifying me. I continued to pay my regular monthly mortgage payment on time. They perceived a discrepancy in the monthly amount due. As a result, as I paid my monthly amount, they held it in an " unapplied status '', meaning they did not apply it to the account. They just held it. Also did not notify me. This made the account overdue. which it was not. They then reported an over 30 days past due amount to the credit bureau. Selene has all payments up to date yet is reporting past due. This has caused me to be denied a refinance loan and is negatively affecting my credit report. I have tried to call them, email them and use their online chat feature. Each time I am met with confusion on their part. I have made 3 phone calls to address the {$2500.00} that is being held but not applied to the loan. Each time I am told it is resolved, then it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The company XXXX XXXX XXXX XXXX made a hard inquiry into my credit. Ive never heard of this company, absolutely did not authorize an inquiry, and can not find contact information to get a hold of the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
kohls info reporting on credit report is wrong rating line XX/XX/XXXX was ok, XX/XX/XXXX im 30 days late. date closed XX/XX/XXXX & XX/XX/XXXX. charge off dates XX/XX/XXXX & XX/XX/XXXX. how can be 2 different charge off dates. last payments shows XX/XX/XXXX & XX/XX/XXXX while credit report doesnt show any payments made on their trade lines. no notes saying placed for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
I initially took out two loans from a XXXX XXXX through the website " XXXX '' in XXXX. During the recession, the bank closed down and I was unable to find the servicer to pay the debt. Then, 3-4 years ago I received letters out of the blue from a company called " XXXX '' indicating that my debt had ballooned over 200 %, and charging frankly usurious rates ( 11 % +, variable ). While I began paying knowing that I did indeed take out loans, I recently read about companies ( including specifically XXXX ) requesting payments for debts that they do not actually own. I have since requested actual documentation on the loan ( including the original Master Promissory Notes and records of debt transfer ) in order to refinance. They have repeatedly ignored my requests, and at this stage are no longer responding to my requests. I would like this documentation to prove that the debt is indeed mine, and that I am not paying some random company for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NY

Complaint narrative:
I received a Notice of Garnishment on XX/XX/XXXX for XXXX for a judgment amount of {$1800.00}. I hired a lawyer to stop garnishment and received the money garnished back. My attorney then commenced a FDCPA case but XXXX sold my case to XXXX XXXX XXXX. My case was won for {$15000.00} in US District Court XXXX District of NY in XX/XX/XXXX. Experian is reporting false information of {$2100.00} written off. XXXX  and XXXX   does not have this entry listed on my credit report. I do not owe XXXX any money. Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.

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 2019-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unknown account. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My Citi Card credit card was fraudulently used to purchase what appears to be XXXX XXXX flight tickets, a purchase with XXXX, a purchase to XXXX XXXX XXXX DEDUCTIBLE, and a monthly XXXX Plus charge without my consent. The XXXX appears to be made from someone in XXXX XXXX. It is apparent to me that some foreigner must have gained access to my card number and made these purchases, as I have never been to XXXX nor the XXXX XXXX. The XXXX XXXX   purchases even show names of XXXX/XXXX MR. and XXXX/XXXX MR . I have no clue who these people are! There are even what appears to be credits showing on XX/XX/18 and XX/XX/18 from XXXX XXXX. From my own investigating it appears whomever got my credit card number may have used that XXXX   site to make these purchases. Citi Card seems to think I made these purchases, and I did not! They still have not even stopped the monthly charge from occurring on my statement each month with XXXX XXXX as I am still seeing it each month on my credit card statement after I told them I did not authorize this. Citi Card advertises that cardholders are protected against unauthorized charges and we have a 0 % liability on unauthorized charges. This is false advertisement! It appears to me that Citi Card supports the scammers instead of the cardholders. Their fraud protection is too loose, apparently. I reported the unauthorized charges as soon as I found them. I answered all of the investigators questions honestly but they closed the investigation and are making me pay for purchases that I did not make. I did not make these charges nor did I authorize any of them, and I should not be held responsible for paying them. 
XX/XX/18 XXXX XXXX XXXX XXXX PA {$170.00} XX/XX/18 XXXX XXXX XXXX XXXX   {$190.00} XX/XX/18 XXXX XXXX   XXXX XXXX {$77.00} XX/XX/18 XXXX XXXX XXXX {$150.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/XXXX XXXX XXXX XXXX NY {$4.00}

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 2019-05-08 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: PA

Complaint narrative:
I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about  accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the BBB ( Better Business Bureau ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was issued a credit card that had a rewards program in which the points where to be used towards the purchase of a vehicle from XXXX. I did not know this until the first use, so after discussing the matter over the phone that I was not interested in buying a car but just getting cash back. Then they exchange that card for one with cash back and even though I have at the present time {$52.00} on the rewards program, they claim that I am starting a new account and do not qualify for cash back. On the other card I had {$260.00} It is my opinion, that this is a typical " Bait and Switch operation ''. This card is called the " extended family card '' from Capital One and the least amount you need is XXXX dollars to qualify for cash back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 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: PA

Complaint narrative:
I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.

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 2019-05-08 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: PA

Complaint narrative:
I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.

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 2019-05-08 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: WA

Complaint narrative:
I have XXXX school loans with FedLoan Servicing. I was paying them with the income based repayment plan -- - in the hopes of meeting Public Service Loan Forgiveness ( though I now understand that almost never happens ). I am back in school for an XXXX while working full time as a XXXX. In this last semester of school, Spring 2019, FedLoans put me into loan deferment for school without asking or even notifying me. I did not know I was in deferment until I noticed that my loan amount wasn't deducted from my bank account. 

I have contact them to fix this in the following ways : 1. I called them and asked to get out of deferment as I never requested to be in deferment or approved that they place me on it. They told me they are allowed to do that and I can fix it by filling out a form -- which I did.

2. A couple months later, I was still in deferment. I called again. They said the form didn't go through so I need to fill it out again -- which I did.

3. A month later, I am still on deferment. I called again. They said, " I see your form here. Let me see why it has not be processed yet. '' I noted that I was filing a complaint here and they connected me to the enrollment team to " fix the problem immediately '' -- wish I knew that trick before. They have assured me that I will go back to my income driven repayment and automatic bank withdrawal and that this will not affect my PSLF qualification. 

Of note, it is difficult to access the customer service at FedLoans via phone. They do have an email address though they have never responded to an email inquiry I have sent. 

I am concerned this makes my chance of meeting the PSLF program requirements even lower than the currently cited 1 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank offered then refused to cancel my PMI after my appraisal brought a lower LVI estimate. I've been paying my mortgage every month on time or early. How can a federal law allow a bank to choose it's own appraiser?? Doesn't this give them the advantage if they get a low-ball appraiser? If I had put 20 % down in the first place I would not pay PMI and would't have to add it if my " home value '' lowered. I should be allowed to either lower my PMI rate or cancel it entirely given that the rule only favor the 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 explanation