vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending
State: CA

Complaint narrative:
Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX. 


It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back! 

If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!! 


Need your assistance helping us getting our money back!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank rearranged transactions, causing multiple overdrafts. 
When a transaction occurred it would reduce my available balance, and show in my pending transactions. Then, a transaction that technically occurred before the pending transaction, but had not been presented until after the pending transaction, would be rearranged to be withdrawn before the pending transaction. XXXX example : Available Balance on XXXX/XXXX/16 : {$50.00} ~~ XXXX Gas Purchase : {$30.00} ( {$1.00} Presented to bank ) ~~ XXXX Purchase at grocery store : {$25.00} ( Pending-Available balance reduced ) ~~ XXXX Deposit of {$5.00} ~~ XXXX Gas purchase finally presented XXXX Transaction rearranged, so that the total gas purchase is now placed before the grocery store purchase, despite it already affecting available balance. 
There are also other examples of US Bank rearranging transactions to access overdraft fees.

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 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
In XXXX XXXX, I was in a bad XXXX accident that caused me to fall into financial trouble. In XXXX XXXX, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of XXXX XXXX, XXXX. After paying the full payment amount they indicated after going through their automatic system and speaking with XXXX people ( $ XXXX {$160.00} ), they stated that they only received $ XXXX {$160.00} and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received the full payments of $ XXXX {$160.00}, Freedom Mortgage has continued to state that they can not find the money or that it has been misapplied but are not resolving the issue. They continue to delay and are refusing to resolve the issue after a month of continual calls and interactions.

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 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had a collection that I paid off XX/XX/XXXX the creditor did not report so I disputed the item XX/XX/XXXX the creditor reported however that did not report the correct info and since it was disputed once experian will not allow me to dispute it again even though it 's a completely different issue. It may seem like I 'm splitting hairs but The way it is showing on my report is unacceptable because it shows negative and could be perceived as a still open collection. The creditor did put in the notes the account is paid and closed but that also needs to reflect on the acct status because someone might not read the notes. They also failed to report the balance and the reported that I only paid {$53.00} when I paid {$60.00} the reported in XX/XX/XXXX and XX/XX/XXXX that I still owed {$21.00} and that the account is still in collection. With these issues it makes it look like the account is still in collection and that I still owe {$21.00}. The account needs to show paid and closed with a zero balance with the correct amount that I paid and when it was removed from collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a previous submission and the case number is XXXX. 
I got a Company response from CHASE but was not satisfied with the result. 
Chase didn not find out the transaction i disputed was sacm/fraud. 
They told me my claim is expedited to resolve but still under investigation, and they have timeframe to resolve the claim and they issued me a provisonal credit for temporary. 
I expected them to resolve the claim and find out it was unauthorized transaction which was scam/fraud by unknown person. 

I copied and pasted the previous submission below. 
On XXXX XXXX, 2016, while I was checking my CHASE bank account, I noticed that unknown transaction {$200.00} was on pending from my checking account. It showed XXXX XXXX XXXX XXXX which I never used or authorized. I never heard of the name XXXX XXXX. I never lost my debit card and never shared with others. 
I called Chase Customer center and was transferred to CHASE Claim Department. 
I explained the unknown transaction is on pending which is fraud/scam, and I submitted a claim. 
Chase put {$200.00} in my account as a temporary credit for claim # XXXX, and they say they may remove the temporary credit if it 's determined that the transaction was correct or authorized. 
Next day, the status of the unknown transaction has been charged from pending status, and it showed XXXX XXXX XXXX XXXX. 
I was working XXXX 
I never visited or talked to someone who live in XXXX 
I researched the phone number XXXX, and i noticed that there are lots of victims. 
XXXX Chase told me customers can resolve disputed transactions by notifying the business, so they asked me to call the business to resolve this issue. 
But the number XXXX is not working number. 
I also contacted XXXX because the letters XXXX from the description stand for XXXX. 
I gave my debit card number to the XXXX customer center and they were able to find the transaction. 
I have a XXXX account but NEVER linked to any of my chase accounts. 
I only linked to my XXXX XXXX bank account. 
They told me they can not give more information about this transaction although the card holder 's name is my name, because the transaction was not linked to my XXXX account. 
XXXX recommended me to ask Chase to contact XXXX so they can give money back. 
I called Chase again and told everything i was told by XXXX, but they always gave me typical answer they will working on. They never contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XXXX alleged that I owe them {$76.00}. for a phone bill. That debt was passed on to a collection agency known as Southwest Credit Systems, L.P. located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Be advised that I was never in any phone contract with XXXX during the time period they alleged I owed them {$76.00}. Notably, neither XXXX nor Southwest Credit System ever notified me of this debt in writing or otherwise prior to its submission to the collection agency or to the credit bureau. In fact, I first discovered that I was in collection status while viewing my XXXX XXXX account. These facts withstanding, I wrote directly to Southwest on two occasions ( one letter returned as " returned to sender not deliverable as addressed '' ), and the second letter was confirmed as received due to return receipt requested. However, to date I have yet to hear from Southwest with respect to an explanation, or whether they contacted XXXX to have the collection removed from my credit report. I also disputed the collection online with XXXX on XXXX occasions to no avail. This was followed up with XXXX letters of dispute ( certified mail - return receipt requested ). The XXXX confirmation response letters that I received in regard to my XXXX letters to XXXX had absolutely nothing to do with the instant disputed XXXX collection. In fact, in XXXX replies XXXX provided confirmation in regard to an unrelated matter. Additionally, I tried contacting XXXX agencies via phone, but was not afforded an opportunity to speak with anyone. As a last resort I am formally requesting that the FDCPA take the necessary steps to have Southwest and/or XXXX have this erroneous collection debt removed from my XXXX credit report. That collection debt is damaging my credit report, and is currently hindering me from purchasing a vehicle.

Company response to consumer: Closed
Consumer complaint received 2016-06-07 00:00:00
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: Fedloan Help
State: VT

Complaint narrative:
I saw an advertisement for Fedloan Help which was advertised to consolidate loans into a program that Barack Obama created to help people with student loan debt. So I called them to see what they could do for me and they said that they consolidate loans under a federal program that would decrease my student loan debt and my monthly payments. I did not realize that this was a third party consolidation company as their company is called Fedloan Help, and the actual consolidation and debt relief program is called Fedloan Servicing. When I was talking to the Fedloan Help people on the phone, they were very helpful but did not explain who they were, that they were a third party company, and that they would be withdrawing {$67.00} from my bank account monthly while making it look like this was my student loan payment. This money that they are withdrawing is not a student loan payment, it is a " servicing fee '' for consolidating my loans through them. I figured this out because I have been getting bills from the actual loan servicer, saying that because of my income, my monthly payment right now is {$0.00}. I 've called Fedloan Help ( the scammers ) and they say that all agents are busy right now and that they will call me back. They refuse to put me on hold. I called Fedloan servicing, and they are the ones who alerted me to this situation. 

I was not able to download this as a file, but here is an email that was sent to me from one of their representatives : Service Agreement for REVIEW ONLY Inbox XXXXXXXX AttachmentsXXXX XXXX to me Hello XXXX, Attached is the service agreement for the program you qualified for. There is nothing to sign on these documents, review purposes only. 

We are a NOT for profit organization that works with the US Department of Education regarding Loan Forgiveness and Payment Relief Programs. We charge " NO FEE '' S. We operate from voluntary donations only. 

XXXX XXXX Fedloan Help : Nonprofit Organization Direct : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.Fedloanhelp.org It says, We charge " NO FEE '' S Since they wrote " no fees '' in that specific way, is that their way of getting around their hidden fees, since it is not grammatically correct?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX. 
On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX. 
My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law. 
Please assist. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE
State: MA

Complaint narrative:
My mortgage lender, Sierra Pacific, is responsible for paying my home owners insurance along with taxes but they never sent out payment for my insurance and I was not notified until after my insurance had already been cancelled for 10 days. I have been going back and forth between my lender and the insurance agency and payment has still not been made. They are refusing to send payment until forms and what not have been sent yet A ) the forms have already been sent and B ) it should have never gotten to this point! What and I paying every month for. If anything happens to my home I want Sierra Pacific to be held 100 % responsible for all damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
In XXXX, my family began using XXXX sell phone service until XXXX XXXX. That was no contract service with easy pay in place. 
After we changed the mobile phone provider with XXXX wireless, XXXX did not stop to charge my wife 's credit card for XXXX /months. I e-mailed XXXX and they stopped the charge. 
On XXXX/XXXX/XXXX, I received a letter from " Enhanced Recovery Company LLC. '' three months after they reported it to the credit bureau. The debt is not mine and this damaged my credit score tremendously. This cost me to have higher payments and interest fees. This needs to be fixed in a quick manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: URS Holding, LLC
State: OH

Complaint narrative:
I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Earlier today I received a phone call in regards to a pay day loan from XXXX from Cash Net USA I want them reported. Not only was I disrespected but I was threatened. I was told that I would be arrested at my place of employment within XXXX hours if I did n't pay {$500.00} at that moment. This was after I received a phone call from XXXX and a voicemail message to return the call. The XXXX I called I spoke to a woman I do n't remember her name. She recited to me my email address XXXX of my former addresses and the last XXXX digits of my social security number. She became short with me when I told her I did n't have {$500.00} today that 's when she told me I would be arrested at my job. The XXXX time I called I spoke to a gentlemen who was very rude and threatened to have me arrested after I offered a payment plan option I could only afford {$50.00} and I was told I needed to get back to work and get the money and if I did n't have {$210.00} now by XXXX the close of business I would be arrested after my information was sent to the States Attorney Office. I have no problem paying a debt if I owe. I will not be disrespected or harassed to do so. If these people had my email address how come since XXXX I have n't received an email or anything stating an attempt to collect a debt?? Please report these people. Thanks for reading this email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: NJ

Complaint narrative:
Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. 

Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.

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