vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
The loan is set up to pay the amount of interest of loan monthly. The amount is automatically withdrawn from checking account. I have made several additional payments after the interest payment was deducted, thinking that the amount that I paid over the interest amount would reflect and be applied to principle balance of the loan. In looking at loan history it shows a very small amount has gone to principle, most has been applied to interest. Example ; XXXX 's interest only payment was withdrawn on XXXX for {$290.00}. 
Additional payments I made expecting them to be applied to principle : XXXX XXXX {$100.00} XXXX {$200.00}, XXXX XXXX {$150.00}. The loan company only applied {$89.00} to principle and {$650.00} to interest. Looking at the history of this loan, I am concerned that my monies are not being applied properly. Since the life of the loan ( 3 semesters - merged to one loan ), Interest paid : {$3200.00} and Principle paid : $ {$990.00}. I have tried to call to understand why my extra payments are not being applied. They say its set up as simple fee interest calculated daily and when my daughter graduates in XX/XX/XXXX, in will then turn to compound interest. They sent me an Amortization of schedule for this loan and it shows payments going only to interest and on XX/XX/ the min. payment will be {$38000.00}? I believe this form they sent me has a major error. How will I ever pay this loan if I can never move forward no matter how much I pay monthly. I feel they are not putting my payments towards principle out of error. We also have a XXXX  XXXX, and the balance is shrinking and there is a good amount of principle being applied from extra payments, so We need help with understanding how this company ever expect their student cliental, to get out of student debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
Collection opened Indicates the date the collection account was opened XX/XX/2019 Payment Info Original loan amount {$290.00} Balance {$290.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX I've contacted this company ten times to remove this collection. I did explain to the company I don't own this debit and you have the wrong personing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.

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 2020-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I missed one mortgage payment of 2019, and my mortgage company is not giving me any reasonable way to pay that back. They claim I either have to pay in full, or pay balance in two months more than doubling my mortgage payment beyond what I am capable of paying. They refuse to give me any other options, and I can never reach my assign poc who is in charge of my account. I feel as if I am being discrimated against for being a veteran and they constantly give me the run around to collect late fees from me. I have alright stated I would commit to a repayment plan, and gave a XXXX dollar deposit. That leaves XXXX owed for that payment, but they want me to pay over 1000 for two months not including my regular mortgage payment of XXXX effectively making it XXXX a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Recently Yamaha Finance XXXX XXXX acquired all loan accounts from XXXX XXXX. My loan account was one of those that was acquired. I have tried time and time again to get in touch with someone that can help with the clearing things up with my payment that I made to XXXX XXXX  in on XX/XX/2019. Yamaha has failed to credit my account for that payment and as of XX/XX/XXXX is saying that my account is past due and I need to pay {$300.00} which is double the monthly payment that I agreed to when signing the loan agreement. Also my normal closing date for the loan is the XXXX of each month. Yamaha failed to honor that when they took over my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I received a bad high impact on my credit report by XXXX claiming that I owe XXXX on my last bill before leaving XXXX phone company because its horrible customer service. I paid in full the last bill than canceled my account while in the store. XXXX is claiming the cancellation wasnt done and charged me for an additional 3 months including the device cost because the store representative did not return the XXXX  equipment to the headquarters before quitting. The amount XXXX claims I owe is ridiculously high and has caused my credit score to drop, these practices are unfair for a person who pays all his bills on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I applied for a loan and needed my EQUIFAX security freeze removed. Firstly, I attempted to remove said freeze via online, but with no success. I kept receiving a message to call a customer service representative. Secondly, I called per instruction, but again, with no luck. I kept getting the run around, being transferred to various individuals and departments. Finally, and conveniently, a representative said the department I needed to speak with was closed for the day. Then, after calling for the third time, a recorded voice said to fax your full name, addresses for past 5 years, social security number, date of birth, copy of driver 's license, and a brief summary of request to XXXX. Thirdly, I faxed said information, along with my home and email addresses, and telephone number. Again, nothing! I have never experienced such ineptitude with the other two credit reporting bureaus. Even EQUIFAX 'S verification questions were bizarre. I had to answer every one with " None of the Above. '' It was as if, I was given someone else 's questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2020 Cash App blocked my old debit card from being used without my permission. Not knowing this at this date and time, a {$20.00} cash transfer was loaded unto my card. The original card was lost and i asked for a replacement. Cash App sent a placement card and never loaded the {$20.00} and gave me an old card Cash Tag App name of XXXX XXXX it should had been XXXX  XXXX XXXX. 
The Cash App help team has access to the replacements cards and has emailed more than several times denying to return the {$20.00} to the owner or forward it back to me. 
Mr. XXXX XXXX is the CEO of the prepaid money transfer entity in XXXX XXXX, CA at XXXX XXXX XXXX XXXX XXXX XXXX The organization also goes by the name Square Cash Please help me get my {$20.00} from this origanzation ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Multiple charges were made on two different credit cards i have. These charged were in the amount from 1k, 2k and 4k from unrecognized merchant in XXXX. Clearly fraud! 

My position is clear i didn't approve these charges as these are fraud. 

I have contacted Citi Bank in multiple occasion and they haven't been able to solve the issue nor provided evidence supporting their position.

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 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Ascendium Education Group
State: FL

Complaint narrative:
On XX/XX/XXXX I received a Wage Withholding Administrative Hearing Final Decision from XXXX XXXX XXXX XXXX with copies issued to myself & XXXX XXXX XXXX. The Decision states " Ascendium or Borrower may request reconsideration of this decision anything after 6 months from the date of this decision. '' I received a new letter from Ascendium dated XX/XX/XXXX stating they are starting attempts to collect from me already. 

I called them on XX/XX/XXXX to ask them why, based on the above decision they were contacting me already and they said my Final Decision had nothign to do with them and the amount was due and that they were going to start procedures on me. They were not trying to listen to the fact that my Final Decision said I have 6 months before they could reconsider. I hung up the call. 

I want to know how they are starting to begin collection again within the 6 months of my Final Decision. Don't I have right protecting me from this violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have both a checking and savings account with XXXX since XX/XX/2018. When I set up my saving account I was told that I needed to keep a minimum balance of {$300.00} in the account or set up a recurring transfer from checking to avoid a {$5.00} per month fee. However, no matter what I do I am still charged this fee and I need to keep calling in the bank to get this fee reversed each month, despite following the rules and keeping the balance above the {$300.00}. I was told by branch employees and customer service that their policy was to keep charging the fee perpetually until the account was drained, hoping that customers wouldn't notice. 

I also have been prevented from setting up recurring automatic transfers from my checking account because the bank 's policy is to ignore the Americans with Disabilities Act by not allowing someone like me who is XXXX to walk into a branch and set this service up with a face to face meeting with a manager or over the phone with customer service. Their policy is to not help any customer who can not " look at their computer screens to see what the banker is doing to the customers account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that Credit Acceptance ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with Credit Acceptance Corporation for my monthly car payments to be withdrawn automatically on the XXXX day of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on the XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by Credit Acceptance Corporation and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on the XXXX XXXX XXXX XXXXr but WAS successfully withdrawn by Credit Acceptance Corporation on XX/XX/2018 which made the payment for XX/XX/2018 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Synovus Bank
State: TX

Complaint narrative:
First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark. 
This happened once before and fortunately I caught it in time to send a hand written invoice with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I still do not understand about the floating {$800.00} that my attorney office sent carrington llc to pay for payment i did not miss.that {$800.00} should of have been sent back to me, me and my representative went over my payment, i begain in 2019 XXXX until XX/XX/2019 and we found no missing payment. 
please refund my money. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX telephone:XXXX fax:XXXX loan:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TN

Complaint narrative:
My student loans were ASSUMED by AES from XXXX XXXX in XX/XX/XXXX. The balance was ~ {$28000.00}. I pay {$220.00} each month regardless of what the 'balance due / minimum payment ' request is. The amount due is typically between {$50.00} and {$75.00}. I have made this payment each month since XX/XX/XXXX MINUS the two years I went back for my XXXX and 2 years of personal illness. Taking into account interest accruals +/- monthly payments, lets say my balance went up to {$31000.00}. 
XX/XX/XXXX-XX/XX/XXXX = 17 years 17 years - 4 years deferred status = 13 years 13 years x 12 months per year = 156 months 156 months x {$220.00} = {$35000.00} MY BALANCE TODAY IS {$22000.00} Can someone check my math? I have a XXXX XXXX but I can not calculate this so that it makes sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: SC

Complaint narrative:
I've been a victim of identity theft. My information was expose in both the Equifax breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: FL

Complaint narrative:
I HAVE NEVER HEARD OF OR HAVE BEEN MADE AWARE OF HAVING A DEBT WITH BAY AREA OR XXXX XXXX. I RECEIVED AN ALERT ON MY CREDIT MONITORING SYSTEM AND I WAS ADVISED THE ACCOUNT WAS REMOVED. HOWEVER, THERE WERE 3 ACCOUNTS AND ONLY 2 WERE REMOVED. HOW IS THAT POSSIBLE? THAT ACCOUNT THAT REMAINED WAS THEN UPDATED TO A COLLECTION. WHERE IS THE DOCUMENTATION? WHY WASN'T I NOTIFIED OR GIVEN AN OPPORTUNITY PRIOR TO RESEARCH THIS FALSE CLAIM. 

THE SYSTEM IS FLAWED, IT'S NOT FAIR TO JUST APPEAR ON MY REPORT AND IMPACT MY LIFE AND NOW I HAVE TO FIGHT TO REMOVE IT AS OPPOSED TO CONTACTING ME VERIFYING AND CONFIRMING IT IS MY DEBT PRIOR TO THIS ACTION. 

I MAKE IT MY DUTY TO PAY MY BILLS TO NOT BE IN THIS SITUATION SO IT IS VERY FRUSTRATING TO HAVE TO DEAL WITH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
This bill has been beid to the original creditor at XX/XX/XXXX and I Remove it from my credit so many times and he put it back with a different name and different company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I sent my husband to the store to buy a prepaid Visa gift card so I could purchase prescription glasses online because my current pair were crushed. Instead of picking up a VisaVanilla gift card, the one I usually use for online purchases, he picked up a MyVanilla card. It's personalized, which I don't want. It's reloadable, which I don't want. Instead of a one-time purchase fee, it has a one-time purchase fee, a transaction fee, a balance inquiry fee, a withdraw fee, a statement fee, a inactivity fee, a replacement card fee, a transaction declined fee, and a balance liquidation fee. This is not at all the card I wanted. I needed a one-time use, then throw away card. There is only {$50.00} on the card and that entire amount is going to the company I am buying my glasses from. Not only do I have to wait for customer service to respond to my complaint, though it is my husband 's mistake, I have to pray that I can transfer the balance onto a VisaVanilla card, then wait several days to get it in the mail, unless they have a virtual card that I could transfer the balance to. Then I still have to place the order for my glasses and wait a couple of days to receive in the mail. The entire time having horrible eye sight that prevents me from driving, so I am out of pocket and out of work for at least a week. I am very limited on funds and put what I had on this card. I have no options. Any time or help put towards this matter is extremely appreciated. Thank you in advance. Have a blessed weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: SC

Complaint narrative:
I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

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