vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I received a loan from XXXX XXXX and then my husband left me and I am financially responsible for XXXX kids under the age of XXXX so I was not able to pay the loan payment when it was due so I revoked my ACH authorization. Also, I did not know the payment would be so high, it is over {$300.00} and this is not apparent when you sign up for a loan. After I revoked my ACH authorization, they debited my account not once but twice. I thought it was straightened out the first time after I complained about the XX/XX/XXXX debit which caused me to have to borrow money for groceries because I was refunded for their mistake until XX/XX/XXXX but it happened again on XX/XX/XXXX and I was not refunded until XX/XX/XXXX after repeated emails and calls that my rent was due and I would have additional fees. So I was charged a {$150.00} late fee and my landlord was going to start the legal process if I didn't pay by the XX/XX/XXXX and the representative XXXX didn't seem to care about my hardship so I reached out to her supervisor XXXX and it took time for us to connect via email. Between now and then I have tried to call him and was not able to reach him. Honestly, there was one appointment that I missed due to my grandma 's passing but we scheduled another appointment today and I called him at 2 numbers and he is not answering. And finally, even though I have been reaching out to him thru email they sent my account to an attorney collection office and I received a letter this week. I can't afford a high monthly payment but do want to come to an arrangement and the company to be fair about the fee I was charged due to their mistake and all the stress they caused me when they mistakenly debited my account TWICE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I HAVE A COLLECTON FROM GRANT MERCANTILE AGE ACCOUNT NUMBER XXXX THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, I DO NO NOT OWE THIS COMPANY ANTHING AND I DONT HAVE A CONTRACT WITH THEM, IM GON NA SUE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: DE

Complaint narrative:
I signed a lease with XXXX XXXX in XX/XX/XXXX for one year. But, in XX/XX/XXXX my father-in-law said he would help us with a downpayment for a house and we were approved for a new construction house with a move-in date of XX/XX/XXXX. Per Delaware Law, if you are going to move into a house with full ownership, you can break your lease with a written request as long as you give 60 DAYS notice. So, on XX/XX/XXXX I informed XXXX XXXX in writing that we would be vacating the apartment on XX/XX/XXXX. 
Written notice to break the lease was given with 68 Days notice!!! But, XXXX XXXX keeps insisting that I owe the rest of lease and the security deposit covered by XXXX. 
XXXX XXXX sold the debt to HunterWarfield collection company to collect for {$2800.00} for rest of lease and also sold the XXXX debt to HunterWarfield as well for {$750.00}. They totally disregarded my email request to early term the lease on XX/XX/XXXX. I do have a copy of that written notice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: NM

Complaint narrative:
i am severely XXXX XXXX ( XXXX XXXX   loss ) i took this loan in XX/XX/2018. when i took this loan i asked very respectfully for them to please do not call my cellphone as i cant hear on it and it will just annoy and upset me. i signed up for text and also provided them with my email address but these people have no consideration for a person with a XXXX XXXX, they have called me approximately XXXX since XX/XX/2018. they have called my contacts and been told by my family and friends that i cant hear on the phone but they still continue to call me anyways, several times they called 3x 1 call after another in 3 minutes time from blocked phone number, they left a voice mail like all the others telling me to call them knowing i am XXXX and cant hear on the phone. i am totally annoyed and feel discriminated as well, this behavior is unacceptable and i believe its illegal since they already know about my XXXX but still call anyways knowing its gon na upset me. 

i have emailed the corporate management via email i found on their website XXXX and gotten no reply what so ever. i also went to the chat on the website and no reply! IGNORED they expect mandatory telephone communication from a XXXX   person.

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 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I fell behind on my payments in XX/XX/XXXX. I had a XXXX XXXX XXXX in my left leg and a XXXX. I was in the hospital from then until XXXX and in medical rehabilitation until XX/XX/XXXX. This made it very difficult for me and my family to stay current on my payments because I was focused on my recovery. I inherited this property from my father, I am his only son. I began the process of probating the estate in Early XXXX. I have applied for mortgage assistance four times. I sent a request for mortgage assistance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the I was not being reviewed for assistance until I had a deed in my name along with letters of administration and so I was denied. I then reapplied once I had those documents. Now M & T bank is saying my application is being removed from review because there has been " No material change since the last submission. '' This is the second letter I got with this decision. I am unsure I fi am being denied assistance or if I am just not being reviewed. I have submitted everything necessary the bank has asked 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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my account and did not return over {$2000.00} that was on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I have been contacting CPS, who appear on my credit file as CPS numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I HAVE APPLIED FOR FINANCIAL ASSISTANCE ON MY FHA LOAN WITH PENNYMAC, I WAS RECENTLY DENIED STATING THAT PENNYMAC DOES NOT HAVE TO FOLLOW FHA GUIDELINES. I ASKED WHY AND THEY SAID THAT THEY ARE THE INVESTOR OF THE FHA LOAN AND THEY CAN MAKE ANY RULE AND NOT FOLLOW FHA GUIDELINES. THIS IS ABSURD AND NEEDS TO BE CORRECT AS I HAVE READ THE 1009 PAGES OF THE FHA GUIDELINES AND IT STATES THAT IF I HAVE MADE 4 PAYMENTS AND HAVE HAD THE LOAN AT LEAST 12 MONTHS SINCE ORIGINATION WHICH ALL HAVE BEEN MET I CAN BE REVIEWED. HOWEVER, PENNYMAC STATES THAT THE ABOVE STATE DOES NOT APPLY TO THEM BECAUSE THEY ARE PENNYMAC. I HAVE ATTACHED THE PAGE FROM THE FHA GUIDELINES TO SHOW WHAT PENNYMAC SHOULD FOLLOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There have been litany of problems regarding the reporting of my credit by credit reporting agencies, as I try and fix them I'm being met with obstruction. After requesting and receiving a copy of my Credit report from Experian, I found several problems on it. I then tried to challenge the problems on the report, and found that I was unable to challenge them online. When I attempted to challenge problems on my report, I was receiving the message " Unable to challenge online, you will have to contact Customer Service ''. I then contacted Customer Service and explained the problem that I was having, and was asked several questions but the Customer Service Rep.

After answering the question the Rep explained that I wouldn't be able to challenge the information on my report because one of the addresses that I gave wasn't on the report. I explained  that this doesn't make sense, that the information on my report is incorrect and this is why I need to challenge the information. I asked why I couldn't challenge the information, and was told " I can't tell you that ''. When I asked to speak with someone else because this makes no sense, the Rep. then hung up the phone on me, can you help me with this problem?

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 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, we traded in our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX, PA with a balance remaining on our Chase Auto Loan. On XX/XX/XXXX, XXXX XXXX paid off the auto loan according to the payoff terms provided by Chase Auto. On XX/XX/XXXX, XXXX XXXX received a letter from Chase saying " Your account is now paid in full '' as well as the vehicle title. 

On XX/XX/XXXX ( 15 months later ), we received a letter from Chase Auto requesting that we pay a remaining balance. After calling to dispute and provide documentation, a representative assured us that he would take care of it. Follow up calls were not returned. On XX/XX/XXXX, we received a letter from a debt collector that gives us 30 days to pay or dispute before our credit is affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I bank with XXXX, the scammer said they banked with XXXX XXXX XXXX and we should use XXXX. 

On XX/XX/18 at XXXX MST, I sent {$300.00} to XXXX XXXX XXXX an account under the name of XXXX . The phone number associated with the account is XXXX. I sent the money in exchange for football tickets. 

I contacted XXXX within 40 minutes of initiating the transfer as it was and is still pending. I was hoping they could reverse the transaction. They said they would file a complaint and that's all they could do. They did not tell me I would get my money back or if I would lose it. 

I contacted XXXX through their online form and told them the exact same thing. I received an email from them saying someone would get back to me within 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XX/XX/XXXX I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse. 
I have been out of work since my company closed my location in XX/XX/XXXX. With declining values of real estate in my neighborhood I am asking for assistance in rebating or writing down the balance of the home equity loan since I have been paying an artificial high rate. My attempts to refinance to been declined as it is considered a cash out refinance to pay off second mortgage and declining appraisal value does not allow this. At this time I am seeking employment and looking for some assistance in order to deal with all the extra interest I have been paying since the housing recession in XXXX. I need a lower payment in order to keep the loan up to date.

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 2018-11-20 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: CA

Complaint narrative:
CFPB please refer to case XXXX XXXX XXXX AS I stated with fact evidence from themXXXX that they could not show that the account was made or used by me. TransUnion in you stall tactics You state contact company please be advised that any and all documentation is kept and forward to the CFPB and the OCC You state contact company how about you contact company and investigate this you are in violation of FCRA 623,611And FDCPA 806 { b } you reporting information that you TransUnion can not confirm as factual but reporting of this account just like the company can not show any evidence I made or received any thing from them you have the documents I sent to you throught the OCC and CFPB showing this .CFPB my request from TRANSUNION show there investigations { even there Past investigations } in writing they make the claims but show nothing ever false reporting is just that false reporting and is a violation in its self. This is extortion. yes extortion on transunion and there company XXXX when will we get any actual facts and not just double talk or stalling .I dont think it will take you any time to show your facts you have on record now REMOVE THIS ACCOUNT THAT IS NOT MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Investment Evolution Corporation
State: PA

Complaint narrative:
Appears to be a tribal loan which are not acceptable in PA

Company response to consumer: Untimely response
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have called Navient several times to resolve this issue but can not get to a real person to discuss this and keep getting advised by an automated system that I owe {$0.00} ( even though money is being taken out of my bank account monthly to pay them off ).

I have recently switched my primary bank account to another bank, and with this have been trying to close my previous account. However I fear that I can not as I tried to contact Navient to have my auto-draft payments come from my new bank account so I can close the old one out. There is no option on their website to do this, nor has anyone been able to do this on the phone. This doesn't seem legal at all and should allow an option to change your bank account if need be.

I'm infuriated with Navient for this as well as their lack of documentation on loan details, but this shouldn't be allowed to go on without consequence or resolution. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: OH

Complaint narrative:
The statute of limitations has passed for the PAID debt listed by XXXX XXXX   XXXX and reported by Experian on my Experian credit report. Experian has failed to take any action on a previous dispute about the same PAID debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax to find out why no information is being reported for me while both XXXX and XXXX have no problem issuing a report. I was referred to the XXXX XXXX XXXX to investigate this matter. I then sent updated ID information ( see attached ). Every month since then, I get the same non-reporting which is hurting my chances of getting a new home loan. Equifax has never sent me any correspondence explaining why a report can not be generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Hello, On XX/XX/2018 i paid the last bill issued by financial and after calculating the fees in total i found out i paid extra XXXX $ They supposed to refund this amount to me by XXXX I tried to call them but every time i speak with an company representative they keep telling me that they issued the refund and i will receive it in 15 days The problem is they keep telling me this every week " we issue the refund and you will receive it in 15 days '' Last week i called and i asked them to send me the receipt witch show s that  they indeed send the refund but they refuse to do that witch means that they didn't send nothing at all today my wife called them again and they say they will issue the refund and we will receive it in 15 days every time we call they sell us same story we issue the refund today and you will receive in 15 days Thank you for reading this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reorders transactions so that the highest amounts process first, regardless of when the transaction occurred. Because of this, I incurred multiple overdraft fees. The transactions were still " processing '' so I scrambled to take out a payday loan to cover the negative balance ( which was - {$93.00} on XX/XX/XXXX ). A deposit of {$250.00} was made at midnight, but that didn't make much of a difference. On XX/XX/XXXX, my balance was {$1.00}. I was reeling, as I had to take out a loan to cover the negative balance and then incurred {$140.00} in fees on top of that. This bank is stealing money from the public and should not use these unethical practices. I have tried multiple times to resolve the matter over the phone and after 3 phone calls, I was finally able to get ONE {$35.00} fee reversed. I have been a customer for over a decade and will be closing my account as soon as possible. I am absolutely disgusted with the way this bank operates.

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