vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
This is about the 7th time my loan has been sold and now it has been sold again to the rinky dink operation  Loancare , LLC. I have a 15 day grace period on my loan and paid my loan on the XXXX through their website and was charged a {$10.00} fee because it was 10 days after my due date. Isn't this considered a late fee? I emailed them and this is the response I received : Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Fee Inquiry Dear Valued Customer, Thank you for contacting us.

Our payment fee schedule is as follows : On the website : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system : {$12.00} All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Customer Support PO Box XXXX XXXX  XXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 
*** this email was scanned for malicious content *** Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
InXX/XX/XXXX or XX/XX/XXXX I signed up for automatic payments for a Bank of America credit card that I had recently received. The bank defaulted to minimum monthly payment. I immediately changed the setting to pay the total balance due.

My XX/XX/XXXX statement ( due XX/XX/XXXX ) included an interest charge because the XX/XX/XXXX payment was for less than the total balance due.

Today (XX/XX/XXXX) I called up it took me at least 5 minutes to get to a person and 40 minutes to get to the correct agent. That agent told me that the full payment would not go into effect until XX/XX/XXXX. *** I strongly suspect that the bank intentionally delays when it will go into effect so that they can charge consumers extra interest. *** The agent could not change my payment over the phone, so she told me to log in again to pay the difference. The amount she recommended did not account for the credit that she was making to the interest ( she said it would be credited in " 1-2 days '' but recommended that I assume that it would not appear until after the XX/XX/XXXX due date. I insisted on subtracting that from the total so that I would not end up with a credit balance.

The agents I spoke with were friendly and helpful but the bank 's systems were either very poorly designed or were designed to cause consumers to give up in frustration and pay the bank unnecessary interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I enrolled in XXXX University XX/XX/2017. I was only in the class for three days and requested to be withdrawn from the course. My adviser received the email but failed to withdraw me. XXXX tried to get me to pay even though I withdrew before payment was necessary. They admitted the mistake but continued to claim that I owe {$1400.00}. It has now been reported to Ability Recovery Services. I tried to talk to XXXX and get the matter resolved but they would not help me. When I was added to the course I was added late according to XXXX. Upon being added late XXXX now states that I was added after the date and am not entitled to a window of withdrawal. XXXX did not inform me of this when I signed up for the course. When I spoke with my adviser on the phone she stated that I would not have to pay and that late add students are entitled to the equal opportunities that regular students are. I am now being attacked by this debt collector after being lied to by XXXX. I proceeded with due diligence and read the policies and it did not have a policy for late add students. All I want from XXXX is for the debt to go away and to have equal opportunity in their educational entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
At the time I obtained the loans for school I was young and didn't have any guidance about credit and I didn't know how credit could impact my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XXXX XXXX ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. 
I am absolutely certain that the item I disputed ( Victorias Secret XXXX Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX ) is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
i HAVE CALLED amex OVER 30+ TIMES, TO DISCUSS NON PAYMENT ON MY ACCOUNT OVER THE LAST FEW MONTHS. i WAS FIGHTING FOR MY LIFE IN XXXX, I HAVE ALL DOCUMENTATION TO SUPPORT THIS. EVERY TIME I CALL I CANT GET ANY HELP. I CALL AMEX DIRECTLY AS WELL AS THE CORPORATE OFFICE AT XXXX, i GET A RUDE XXXX ON THE PHONE NAME XXXX. REFUSES TO PROVIDE ANY HELP, LAUGHS AT ME. HOW AM I TO RESOLVE ANYTHING WITH YOUR COMPANY IF YOU WILL NOT TAKE MY CALLS BUT CALL ME HARASSING FOR PAYMENT. I TRY TO MAKE PAYMENT AND YOUR COMPANY WILL NOT ASSIST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I went through XXXX to remortgage at a lower interest rate. Before I even made one payment, XXXX sold my mortgage to Freedom Mortgage. My first mortgage statement from Freedom Mortgage was higher than my agreed payment with XXXX. I contacted Freedom Mortgage several times and was finally told the amount was higher until they did an escrow analysis. How can they just make your payment higher WITHOUT an analysis? My escrow amount and account were fine and after complaining, FM did change the amount back to what it was originally supposed to be. Also, when I called in a payment they took the account information incorrectly and then came back with a late fee and once they had the correct information ( I was monitoring my checking account ), they automatically took the PAYMENT and the LATE FEE. I called to complain ( again ) and was told that I had agreed to that amount over the phone which if I DID, I had NO intention of doing. I feel very manipulated and that I am not dealing with a company of integrity.They would not refund my money or put it toward my next payment and said they would put the late fee amount toward my principal amount. I had no say in this and did not appreciate their customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Again this is an very small vague response from discover as expected, I spoke to XXXX this morning she called me directly from customer care, SHE TOLD ME DISCOVER RECEIVED NEW DOCUMENTS FROM CREDIT AGENCIES, I TOLD XXXX THAT I HAVE SUBMITTED AN NEW FRAUD AFFIDAVIT ISSUED BY XXXX, GOT IT FILLED AND SIGNED BY THE OFFICER OF LAW AT XXXX PD, AND ALSO GOT THE PAPER NOTARIZED BY THE STATE OF CA. SHE TOLD ME THAT SHE WILL START AN NEW INVESTIGATION AND WILL HAVE TO TRANSFER MY CALL TO INVESTIGATIONS TEAM XXXX COMES ON THE PHONE FROM INVESTIGATIONS SAYING THAT HER COLLEAGUE TOLD HER THAT U SUBMITTED NEW PAPER WORK AND NOW THE INVESTIGATION CAN BE STARTED AGAIN I TOLD HIM THAT I MADE SURE THAT THE OFFICER AND ME TOGETHER FILL OUT THE FRAUD AFFADAVIT FORM AND ALSO GET IT NOTARIZED, THE OFFICER REALLY FELT BAD FOR ME TO SEE THE SITUATION I AM IN, I TOLD XXXX THAT MY NEXT STEP IS TO HIRE AN CONSUMER LAWER AND TAKE DISCOVER TO COURT, UPON HEARING THAT HE STATED WORDS LIKE " SURE, YOU ARE WELCOME TOO THAT WILL BE PERFECT!! '' WHEN I TOLD HIM THAT I WILL HAVE TO HIRE AN LAWYER TO DEFEND MY SELF. I TOLD HIM I AM RECORDING THIS AND I WILL PROVIDE THIS TO COURT OF HOW YOU ARE MAKING AN MOCKERY AND FUN OF AN FRAUD VICTIM!!! WOW THESE PEOPLE ARE CRAZY. AFTER HEARING THAT XXXX HUNG UP THE PHONE ON ME AND I COULD NOT EVEN TALK OR SPEAK TO HIM CORRECTLY. THE GUY HUNG UP THE PHONE ON AN FRAUD VICTIM I WOULD LIKE TO STATE THAT XXXX AND THE DEPARTMENT AT DISCOVER THAT HANDLES FRAUD INVESTIGATIONS ARE HEARTLESS PEOPLE! THEY HAVE ONE SIDED JUDGMENTAL PERSONALITY, I HAVE NOW PROVIDED DISCOVER WITH NOTARIZED FRAUD FORMS SIGNED AND DATED BY XXXX PD AND ME. 

NUMBER THAT CALLED ME WAS XXXX MONDAY XX/XX/04 AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TN

Complaint narrative:
Direct Express failed to issue my son 's SSI payment to me for the month of XX/XX/XXXX. Instead, they admittedly allowed someone to call in on XX/XX/XXXX and change my son 's DOB and our address, issued a new card to an entirely different state and the card was activated and used down to {$5.00}. I still have MY card safe in my wallet. Social Security has advised they should ONLY issue to the address SS has on file. This definitely sounds like an inside job similar to the incidents they just experienced this time last year. They have initiated an indefinite investigation and in the meantime this single mother of XXXX is left to figure out my already struggling finances including rent, car insurance and back to school clothing for XXXX.

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

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohls was told that I lost my job and I will square up when I get the money. My mortgage and food come first. They send me emails and notices in the mail but call me and this is no lie, 6 times a day sometimes 7. I have always paid my bills, I just need some time to get the money. I want the calls to stop and you know I dont think I am going to shop there anymore. I already paid off a balance with them and have been a good customer but I dont need this harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED  ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.

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 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My name is XXXX  XXXX. I had contacted the website XXXX to buy one of their dogs. They have a legit website, testimonials, everything to look real. The cost of shipping was included with the dog. Total cost XXXX dollars (XXXX through XXXX and XXXX to the delivery driver). So my friend actually sent my money with her XXXX   app since my bank doesn't support it (Her name is XXXX  XXXX). She banks through Wells Fargo. The email for the recipient for XXXX  was XXXX (so his name is XXXX XXXX??). After I sent the money I typed in the web address of the dog adoption site and it showed up on XXXX.  The seller denied fraudulent claims. After a few text I've heard nothing. It was obviously a scam, and scammers love XXXX  apparently because there is no fraud protection. The number (which is never answered) is XXXX. So I don't know if there is anything that can be done. Also if my friend XXXX  needs to file anything?  She did contact Wells Fargo shortly after sending the money. Probably won't get anywhere with that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank advertised a promotion fro $XXXX to open both a checking and savings account with them, with the requirement to automatically deposit $XXXX  into the checking account and $XXXX into the savings account monthly for three months. I did this this and satisfied the requirements but Chase refuses to pay the promotional amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I am afraid of living in my home due to Shellpoint Mortgage 's practice. Although. I had a repayment plan in process, Shellpoint sent a third party that illegally entered my home. I thought I was going to be XXXX. Police were called. I have been in XXXX, on XXXX dealing with this XXXX with occured XX/XX/2018. I am current on my mortgage but do not feel safe here. 
This has affected my physical and mentally health to a degree that is interfering with my quality of life and the right to feel safe in my own home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: IA

Complaint narrative:
THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: IA

Complaint narrative:
THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED  ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I tried to settle my debt with the company and submitted a complaint trhough the CFPB and they will not make payment arragements as they told me in their letter of response sent to me and copied to the CFPB. Now they wont stop calling at home and at my mobile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I sent back all equipment and the account was settled at XXXX  in 2017. I did not amd do not owe any money or early closing costs.This debt is not owed.

Company response to consumer: Closed with explanation