vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm disappointed to see late payments on my credit payment history with CAPITAL ONE, I tried to reach out to them but no reply ... They said that I am late on paying last XXXX 2019. The thing is I don't remember being late on paying my obligations, or else I did not receive the bill for me to pay on time. I appreciate you help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a 12 year customer of Wells Fargo, last year I was forced to refinance my home ( in the words of my loan officer, Wells Fargo closed on my new home originally in XXXX with a Home Improvement loan that had a large balloon payment and was no longer a legal product ). Since I am XXXX years old I have been concerned about the future of my family and repayment of such a loan. In XX/XX/XXXX I was convinced by Wells Fargo to refinance, with a catch, that I would only need an escrow account for one year, so I was told. Up until XX/XX/XXXX I always paid my own taxes and insurance, never was late, never had an issue. In the past 2 years Wells Fargo has paid the wrong Home Owners insurance policy even though I tried to communicate that I had changed insurance carriers. When I questioned about dropping my escrow, the company declined, instead started sending me advertising in the mail about the importance of an escrow, and sending threatening letters as to how high they were going to raise my escrow in order to maintain one full year of escrow payments in advance in my account. When I asked to drop the escrow as I was promised, as it was written to me the company pushed back. I had to take Wells Fargo to the XXXX  just to get funds back after my escrow closing, the closing was not done properly, that is a very long story and can be told another day. I am at a point where I just want to pay my own taxes as I have for over a decade, yet Wells Fargo is doing everything to be non committal, CYA letters from the President, wait me out to see if I will go away, but I will not. I will take this complaint to the Attorney General if I am allowed. This complain will ultimately reveal alot of Well 's Fargo business practices that continue to come to light for me. Thank you for giving me a place to be able to voice my concerns.

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 2020-05-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: PR

Complaint narrative:
Various attempts to clarify that there is no debt where made. The company stated and wrote various communications regarding this matter. The last one was made on XX/XX/2020 ; on this communication they where demanding full payment, while on the initial communication they stated they where not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
The Collection company has provide wrong Account information. I return the items and was billed for items when they was not in my procession.This is against my consumers rights and want them to be remove from my credit asap. or i will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
My record of Qualifying Payments for Public Service Loan Forgiveness is incorrect. I made 85 qualifying payments as of XX/XX/XXXX, the date of my most recent Employment Certification form however received correspondence from Fed Loans on XX/XX/XXXX and qualifying payments are still not accurate. Qualifying payments from my count as of XX/XX/XXXX should be 95. The attached document shows the error : the number of Qualifying Payments ranges from 48-55. 

In XX/XX/XXXX, Fed loans sent me a letter saying my qualifying payments were updated, they were not accurate. 
On XX/XX/XXXX, Fed Loans sent me a letter saying my employer certification form was incomplete for XXXX XXXX XXXX XXXX. I sent in the requested information and I haven't heard back. 
In addition, I also sent in a ECF for XXXX XXXX  XXXX XXXX in XX/XX/XXXX and I haven't heard back. 

The number of qualifying payments from XX/XX/XXXX is the SAME as the number of qualifying payments for XX/XX/XXXX. Thus, FedLoans did not update the XXXX XXXX payment ( {$1100.00} payment that took over 18 months to review ) NOR did they update the payments from the " in school deferment '' payments. 

In school deferment is in quotes throughout the message as I should not have been in, " in school deferment '' as I was working full time AND doing a XXXX XXXX XXXX program. I do have the letter that requested me to be out of deferment. 

I have made multiple calls to FedLoans. 

Included in this message : - XX/XX/XXXX statement saying they need more information for ECF - the updated ECF for XXXX XXXX that was resent ( uploaded ) XX/XX/XXXX - XX/XX/XXXX Direct Bill with qualifying payments - XX/XX/XXXX Direct Bill with qualifying payments - XX/XX/XXXX Direct Bill with qualifying payments - ECF for XXXX XXXX XXXX XXXX uploaded XX/XX/XXXX for which I haven't heard back - documentation of one time payment for XX/XX/XXXX payment - message from Fed Loans on which loan sequences were paid during in school deferment ( however all loan sequences were paid during this time ) - XX/XX/XXXX qualifying payment update by Fed Loans ( not accurate ) - original request to not be in deferment - follow up request to not be in deferment I want the record corrected to show the number of Qualifying Payments for Public Service Loan Forgiveness for all loans sequences to be 85 payments as of XX/XX/XXXX ECF or 95 payments as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
My lease was current and in good standing through XX/XX/2020. The C19 stoppage occurred, and I tried to postpone my lease payment to conserve cash like everyone else. I attempted to make a modification on the website, but Ford wanted 33 % penalty to postpone the payment. I would not pay this price gouging extortion amount. 

I have been calling the " help '' line in an attempt to communicate the fact that I would be making payments but would be pushing them 90 days. The Ford system would " not accept '' the modified, promise to pay date that I gave. 

Ford has illegally ( under the CARES Act ) reported this as a late payment and is attempting to ruin my credit ( was an XXXX prior to this ). All this while Ford tries to make itself the " good guy '' by offering " new '' customers a 90 deferment of payments, seriously? 

Ford is profiting off of the C19 stoppage by grabbing an extra 33 % from those that are just trying to do the right thing, and trying to hang on and get through this XXXX. If this is happening to me, it must be happening to tens of thousands of people across the State and Nation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
This company has repeated called me over and over from different numbers. I spoke to a representative on XX/XX/XXXX and informed her please do not contact unless it is by mail. The company called again repeatedly on XX/XX/XXXX and I told them I would be contacting the government in reference to their constant badgering and also not proving the debt. The name of the company is Sequium Asset Solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage is managed by PHH Mortgage Company @ PHH Mortgage Services in XXXX, PA XXXX given a XXXX XXXX XXXX as contact. Web account resources are accessed through XXXX XXXX XXXX website. Over the last 10 months this company has changed the monthly mortgage payment multiple times. I use bill-pay through my credit union, so in XX/XX/XXXX I missed making an adjustment to the standard monthly payment by XXXX dollars and some change. They put all the money in Escrow and began putting all my monthly payments in Escrow. They did not call me until some time in XX/XX/XXXX and after working with them for several weeks they got the payments redirected appropriately. However, they have begun putting my payments in Escrow again, with the excuse that I made my XX/XX/XXXX first  payment 11 days early. They put the XX/XX/XXXX payment for XX/XX/XXXX in Escrow, charged me a late fee and called me today to tell me my payment was late for XX/XX/XXXX. I called again and was told they had a rule set to redirect all my payments to Escrow and that needed to be changed.I now have had an XXXX XXXX because of the frustration. I am and always have had a credit score over 800, I pay my bills on time with less than 6 mishaps ( like a few days later on my water bill ) over my 45 years as a bill payer. I am afraid this company, being a debt collection company is trying to destroy my credit and take my property away from me. I have not changed my method of payment or timing except for setting it back a few days early because the company said in XXXX they did not receive it electronically for 7 to 10 business days. Please help me get this company straight so they will stop causing problems with my mortgage and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Every Tuesday since the Covid 19 pandemic, I have received my unemployment benefits from NYS and the addition {$600.00} from the government on my American Express Bluebird card. I woke up this morning XX/XX/2020 with an email with my DOL direct deposit but not my federal deposit. So I used the app to check my balance, it said i was locked out. So i called the number on the back of the card and it told me that my account had been permanent suspended due to a violation and then the phone automatically disconnected. 

I called American Express directly and after being on hold for over an hour I was finally connected to a bluebird rep that told me that my account was permanently suspended because I received a direct deposit that wasnt in my name. Not only have I been getting my unemployment for over a month in this account, my payroll was deposited into this account as well. All in the same name. The rep told me that there is nothing she can do, she was emailing the back office telling them I verified that was me and that it pretty much was in their hands to decide to reinstate my account..she also stated I wouldnt be getting my money..which was almost XXXX XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: MI

Complaint narrative:
I rented a condo in XXXX XXXX, Michigan XX/XX/XXXX - XX/XX/XXXX. COVID hit and Michigan went on lockdown on XX/XX/XXXX. I tried contacting the owner ( per XXXX XXXX guidelines ) on  XX/XX/XXXX to cancel this reservation. I called the number listed by XXXX for the owner ( XXXX ) XXXX and talked to XXXX XXXX. I told her that due to COVID I needed to cancel. She replied, let me look into it and call you back. I said ok, do you need my name and phone number? To which she replied " no, I have it on caller ID. '' She never called me so I decided to try and text her so I had some sort of record showing that I tried again to reach out. Being that we both have XXXX XXXX, I can see that she read the message but never replied. So at that point I started a dispute with Chase Bank. I processed the dispute via their app on my cell phone. Today ( XX/XX/XXXX ) at XXXX I received a reply from Chase Bank stating that they deemed the charge valid. I was unaware that because I processed the dispute via their app, that they would never ask me for my supporting documentation. So I called them this morning at XXXX, waited about 20 minutes to finally get connected with a rep named XXXX . She told me that there's no way to respond to the letter that I received via email and that I would have to mail or fax documentation. I then asked for a supervisor. She put me on hold and then hung up on me. So I called back. I then spoke with a representative by the name of XXXX. I went back through my story and he said that he would email me the instructions for re-opening the dispute but that it could take 9 days to get the email I told him I was considering opening a complaint with the CFPB as well and he stated he would recommend that I do that in addition to re-opening the dispute with them. I have proof A ) that I tried to cancel as well as B ) that I was not even in the state to use the condo on XX/XX/XXXX. I find it very unfair to not adjust this credit since this COVID pandemic and the state of Michigan being on lock-down being out of my control. I'm attaching my XXXX cell phone bill and have highlighted when I called XXXX to cancel. I've also attached a copy of the text that I sent to XXXX showing that it was read and that she didn't respond. Lastly, I've attached the chat with XXXX showing that I tried to cancel with them and they told me I had to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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:
The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CO

Complaint narrative:
AFNI is sending me letters about some money that I suppose to own, they say a happen last year I never get and a car accident, this is not in my credit and is not my name, is spelled wrong and isn't complete so this looks like a scam! 
And the say they going to report the DNV and I will lose my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
Hello, I sent the following e-mail to XXXXLoan Care customer service : <Hello, my auto draft payment was drafted on XX/XX/XXXX ( so, the posting date is XX/XX/XXXX ). It was drafted late due to my loan being transferred from XXXX to LoanCare. 

My first question : is the effective ( keyword effective ) date of the payment XX/XX/XXXX? I'm concerned about additional interest accrual. I shouldn't be held responsible to an additional 11 days of interest ( between XX/XX/XXXX and XX/XX/XXXX ) due to the delay in my payment being drafted. 

My second question : I signed up for paperless communication. Does my cosigner ( XXXX ) need to register online and sign up for paperless communication as well to avoid paper statements? Or will she automatically not receive a statement since a ) she has not registered her online account and b ) at least one borrower is receiving the statement, and both live at the same address? 

I called in to customer service, but the phone agent didn't sound too sure on her answers. 

Thanks! 

Oh, P.S. - It takes forever to navigate through your IVR and get to the option to talk to a live agent. I'm sure you're trying to mitigate servicing costs by implementing a self-servicing IVR, but man it's confusing. Also, once I got to the live agent option, I was on hold for 45 minutes before an agent picked up. That's a crazy wait time. I suggest more staffing. 

P.P.S. - the security questions for the myloancare online account are terrible. There's definitely room to improve those so they can apply to everyone. I.e. a normal question would be, " What is the full name of the street address that you lived at in the 3rd grade? '' ( or something like that ). Not " What was the name of the street address of your best friend growing up '' - some people ( not me ) don't have friends. Just saying.> The response I received from customer service didn't answer any of my questions, and simply advised me to call back in. I've attached the e-mail. 

The e-mail response is also very confusing. It advises to not reply to the e-mail, but then later states to reply to the e-mail if it does not answer your question. 

Please get it together and give me the answers I'm looking for.

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 2020-05-19 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: KY

Complaint narrative:
my HOMEOWNERS INS. JUMPED {$390.00} BASED UPON THEIR ADVERSE RISK REPORT TO INS. COMPANY. INITIATED A REQUEST FOR DISCLOSURE OF MY REPORT, ( A HARD COPY ) INSTEAD THEY SENT ME A LETTER WITH INSTRUCTIONS TO ELECTRONICALLY ACCESS REPORT, SAYS THAT I'LL BE ASKED TO ENTER A PIN #, WELL XXXX, NO WHERE IS IT ASKING ME TO ENTER PIN #. 
SO HERE IT IS SINCE XXXX XXXX AND NO INFORMATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Was not notified of investigation status or results
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Opportunity illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my XXXX report and Oportun inquiry is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have an excellent banking record. Until the corona, I had an A+ credit rating. 
I opened a checking account at Wells Fargo. 
First issue was being unable to get my direct deposit set up. I called and left a message that I needed help. My call was never returned. 
Then, I made out 2 checks for bills, left them for the mail carrier and drove to the bank to deposit my stimulus check. No dice. The branch closes early, even on Fridays. Tried to do a deposit from my phone. No dice. {$1000.00} limit on those. 
The first check came in and was returned. I paid my {$35.00} each to Wells Fargo and the check recipient. I messed up. It was fair. When the second check came in, I got an email from WF saying I had a - {$90.00} and I tried to go down and pay it, they told me there was no overdraft, but they refused to close my account. Now they are tallying up daily charges of {$35.00} and I tried to go there to fix it, only to find out, they also open late. 
I'm at {$70.00} already. Both parties these checks were written to have been paid in full. Nobody is resubmitting either check. 
I simply don't believe that the characters who came up with the concept of constantly accruing interest, can't seem to figure out, in real time, whether folks owe them money. 
I feel I, like many others, are being exploited. Enough is enough.

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 2020-05-19 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: TX

Complaint narrative:
The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.XX/XX/2018

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