vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I received an call yesterday from XXXX with IQ Data collection agency. He called from the phone # XXXX at XXXX XXXX. He advised that his supervisor 's name was XXXX XXXX. He said that he was calling about the balance that I owed my prior apartment complex and gave the amount due. No where is this call did he read the collection agency mini Miranda statement which is Sec 807 ( 11 ). So with that being said he already violated the law. He then went on to say that I need to pay this debt this month. I advised that I can make a payment but I'm unable to make the payment in full. He this says that this needs to be paid in full this month or they will move forward. I asked what did he mean by that and he says that they will put on my credit report. I said ok I will just make payments until it paid in full. XXXX says that will not help and I say why because if I'm paying that should bring it down. He said because we will move forward I said with what. He then demanded that this be paid in full by the end on the month are they will move forward. I said that you have not answered my question he said I don't need to answer your question. I asked to speak with his supervisor. XXXX XXXX gets on the phone and I explain to him like I did to XXXX that I want to pay the debit but I'm unable to pay in full I only make monthly payments. He then says that he can give me the address to make payment then turns around and say that I'm unable to make payments and that this is a property debt and if it not paid that they will mark the account and refusal to pay and they will move forward. He also stated that I need to get the money someone or get an loan and make payments to them. He also told me to get an lawyer. I asked why would I need a lawyer to pay an debt. He said that it because it a property debt and he not an lawyer and not able to give advise. I told him that it is illegal to threating someone over debt to be paid and I was going to report it and he said to go ahead. I never received a letter to validate the debt and they refuse to give me 30 days to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a car through XXXX XXXX and terminated the lease early when I leased a new car. I received an invoice from XXXX XXXX on XX/XX/2018 that had numerous errors and omissions. I detailed these in a letter of XX/XX/18. 
Among these errors is an " excess wear and use '' charge of {$1000.00}. Since I purchased an " Excess Wear and Tear Protection '' policy through the dealership and with XXXX XXXX I requested a claim form from the rep ( XXXX ) on XX/XX/18. The promised claim form never was received. Instead a copy of the AIM Inspection Report was sent. I faxed this report along with a claim to XXXX XXXX. 
I received a call from XXXX XXXX on XX/XX/18 demanding payment in full by XX/XX/18 or they will send the bill to collection and threatened my credit score. I told them that I filed a claim as directed with XXXX XXXX and it's up to them to work out the details. I was informed that XXXX XXXX " ... does not deal with third parties '' and it is my responsibility to settle the bill even though I still consider it to have numerous errors. 
I do not intend to satisfy this bill until it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Here is The following letter which i sent to Equifax via certified mail, directly explains my issue : EQUIFAX Information Services XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX, further XXXX XXXX has already exceeded the 30 days required to respond. 
XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX to correct this ASAP. XXXX XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX and XXXX have already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life and please forward to me an updated copy of my credit report. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have several opened disputes with Chase credit card. I have submitted additional information on each account as requested. Chase denied several of the disputes for example siting I did not submit documentation as requested. The disputes stem from merchants product as not describe to merchant 's mischaracterization of the described goods or services and/or dispute concerning the established quality of goods or services provided to me. For example XXXX XXXX made a reservation and the room was unsanitary the patrons appearing to have permit residence as welfare recipients. A woman XXXX in the hallway a group of people appearing to involved in a drug transaction, the room water damaged ceiling and the floor filthy with hair and debris. The particulars are within the dispute to Chase however it was denied on XX/XX/2018. I was notified by phone. I called back and explained the matter to a different representative and the case was reopened with a temporary credit. The problem with this particular dispute is I paid with Chase I called them at the hotel when there was a problem along with the merchant. I did not stay at the hotel, left and checked into a different hotel. I think it is obvious that I did not stay at two hotels on the same day, however Chase initially and incomprehensibly dismissed the dispute siting I did not send the information requested when I did and if I did not they could see the transactions and common sense would there are two hotel charges on the same day. It is basically the same with each dispute below. 


See dispute details This page displays all dispute ( s ) that have been opened, canceled or closed during the past 120 days. 

Click the case number to see details about a dispute. To cancel a dispute, click " Cancel dispute '' in the Action column. To submit a new dispute, click " Add New Dispute '' at the bottom of the page. 

My Disputes Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX   XX/XX/2018 XX/XX/2018 XXXX XXXX {$220.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX  IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX  {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The attached letter to Wells Fargo explains the problem in detail. When this letter was sent to Wells Fargo, it was initially ignored. It was sent again, with help from a local news station, and this time I received a response from the bank stating that they will never refund me any money from this.

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 2018-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, Transunion, XXXX ) since XXXX of this year 2018. On XX/XX/2018 I froze my lexis nexus yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX   XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , TRANSUNION , XXXX  3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS  SUPPOSEDLY CONFIRMED

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 2018-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I found out that my Chase bank account ( opened in XXXX Florida ) balance information ( for several accounts ) was viewed by a Chase employee in a branch on XXXX XXXX XXXX on XX/XX/2018. This person had no reason to be in my account. I believe my account was viewed at the request of my ex sister in law who lives a few miles from the branch and used to work at Chase many years ago and most likely still has contacts there. I believe that the balance information was provided to my ex husband. Chase provided the name of the employee who viewed my account and started an internal investigation at my request. A few days later Chase let me know that they will be using internal resources to investigate but will not be providing me with any further information relative to my complaint. I asked what was being done about the breach to my privacy and my security and they kept telling me that they are investigating and that privacy laws preclude them from giving me further information. I'm not sure if any laws were broken but, instead of working with me to find out exactly what happened and  assuring me that my accounts are secure, Chase circled their wagons to protect themselves. I have been violated and the violation will likely result in my ex husband using the information provided to him in deciding how much support to provide to his children. Someone is, or multiple persons are, responsible for violating my security and privacy and I want to pursue whatever avenues are available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AL

Complaint narrative:
On XX/XX/18, my home was hit by a tornado. My neighborhood was designated a federal disaster area. My home was damaged and needs a new roof and other repairs. My insurance, XXXX XXXX, completed assessment and gave me a check for {$13000.00} to complete repairs. But the check was made out to me and my mortgage service company, Seterus , Inc . They have kept the funds and will only release 25 % to each contractor after the contractor signs and completes three forms, one which must be notarized. After all forms are received, they mail 25 %, which can take up to two weeks. Then, once the job is complete, Seterus sends an inspector to take pictures. Then, they wait the full 5 business days, review the inspection, then mail the rest of the funds for the job completed. So, needless to say, when I talk to contractors to get roof estimate and explain the above process, the contractors decide not to work with me as they have plenty of work to do for people  who already have their insurance money to complete the work. My roof has still not been repaired as of this date and it continues to leak more and more and cause more damage to my home. Seterus told me they could release 100 % of the funds as less than {$10000.00} was left. They said they could if I found a contractor to complete all repairs and write a letter explaining why the funds are needed up front. I was able to find someone to agree to this. We completed everything Seterus asked for, sent it in, and they still only sent 25 %. I have spoken with them many times asking for them to please send my money. They have money XXXX XXXX gave them for a tree I already paid to remove, which was {$750.00}. This was done day after storm and I don't know how to get in touch with that contractor. There is also money to repair a mailbox and some other small repairs that do not require licensed contractor. Seters did send two payments to the tree removal contractor and electricians. It took such a very long time to receive the money, I was getting calls and texts from the contractors daily. It was so stressful and the continued damage to my home and inability to get my needed repairs done with my insurance money has caused so much stress and trauma following a federal disaster, which was already the hardest thing I have lived through. No one at the company will try to help me or even try to understand when I talk about neighbors two doors down and one street behind whose homes were completely destroyed. I missed work and income due to the storm as well. All I want is for Seterus to release the funds XXXX XXXX provided to me as their longtime customer.

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 2018-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I contacted Sallie Mae concerning filing for Student Loan Forgiveness Program. They put me on a Forbearance and told me what information to fax to them. ( XXXX ) Was told it may take some time. When I didn't receive information about Loan Forgiveness I kept calling and checking. Next thing I know I had been placed with Navient. They finally said I hadn't faxed the paperwork ( 6 mth. later ). Sent it in again many forbearance 's by this time. Kept being told it was in process. Then I started getting lack of payment bills. I did not receive anything in the mail talking about the forgiveness paperwork I filed. Offered me another forbearance. The next thing I receive is them demanding full payment ( XXXX ). They kept churning my student loan until I am back where I started ten years ago. Now I am in a rehabilitation program it will be 9 months in XXXX in good standing but they started in XXXX dinging by credit report when I was told that would not happen. Calling it a charge off and saying I'm delinquent. When I am complying with their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened my account around XXXX of this year and so far I've had hundreds of dollars ( around $ 300+ ) in fees, of which at least {$68.00} were the fault of Chase for  miscategorizing transactions and charging me an overdraft fee for transactions that should have been declined if the money wasn't in the account. 
I was told that they can only refund {$100.00} in fees per customer, whether or not it's the bank 's fault. 
Most recently on XX/XX/2018, I received a {$90.00} " cash advance '' fee which I didn't know existed after funding a new bank account with my debit card. 
I was told there was no way to have it refunded because I had reached my maximum amount of fee refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am having a very difficult time with SPS Select Portfolio Servicing. We have tried to apply for a modification, but have had a very difficult time. Every time we call SPS we get different answers and they always seem to lose the paperwork we fax and email to them. We were never able to communicate, which always caused problems. 

I am XXXX years old and my wife if XXXX years old. I had a XXXX in 2017 which cause a medical hardship and caused me to missed payments. With the help of my family, we are over the hardship and can afford our mortgage. We are both on SSI and I have a pension that can afford the monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was a pending transaction that fell off and they still overdrafted my account. I turned off overdrafting 6 months ago and it doesnt matter. They overdraft anyways. 

All dates and balances are in the screenshot I uploaded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company continues to harass me even after I sent a certified letter requesting that they first validate the debt and second cease all communications with me. This company buys debt that has been charged off by creditors and then threatens lawsuits, sends people to your house stating they are there to serve you court papers and actually files lawsuits. I sent them a certified letter on XX/XX/18. They signed for it on XX/XX/18. In XX/XX/2018 they filed something with the court. I'm not sure what it is. They sent someone to my house on XX/XX/18 to serve me papers. I was not home. They are harassing me over alleged credit card debt owed to someone else, not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: PA

Complaint narrative:
This is regarding a request to change plans from IBR to PAYE that I made in XXXX. On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required. I received a letter on XX/XX/2018 stating that my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. 

I filed a complaint with CFPB on XX/XX/18, and followed up with an email to XXXX on XX/XX/18, and then a phone call on XX/XX/18. I was told that my request would be processed in 7-10 business days. I received a response here on XX/XX/18, that XXXX was working on my request, as I had called them, and my request had been put in motion. I also received a response from XXXX to the email, which was similar, in that they said I had contacted the company and the request was in motion. I called on XXXX and spoke with employee XXXX to see if anything had been done, and the representative told me it had not yet been 10 business days and she didn't know how my request would be handled. 

Everyone I have spoken with has told me I am not in forbearance, but I am, and I did not request to be. My request to the company on XX/XX/XXXX and XXXX to the company is for my account to be restored to where it was before I requested the switch. That includes reversal of the interest that capitalized. I acknowledge that I overlooked a sentence on page 8 of the form that says when you leave a plan that interest is capitalized. I overlooked it because it is not on the signature form, and now I have been made aware. There have been multiple mistakes on my account in the past, and I just did not feel like I would get neutral advice. 

It is beyond the 10 days, and there has been no restoration of my account, and the account does not reflect that a decision has been made.

Company response to consumer: Closed with explanation