vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: NY

Complaint narrative:
On XX/XX/2019, I have been emailing back and forth from an agent fro the processing department of Premier Student Loan Forgiveness, XXXX XXXX ( XXXX ) about how it is time for me to recertify for the loan forgiveness program. He was telling me that he need some documents from me, which was my tax form from the pervious year and recent pay stubs. So I sent them. On XX/XX/2019, I got a confirmation email from XXXX XXXX ( XXXX ) stating that they received my documents. On XX/XX/2019, I called XXXX XXXX  ( XXXX ) XXXX to follow up on my recertification, but when I called there was an automated voicemail stating that the following service is under investigation in the state of California and you should go to www. studentloans.gov or contact your student loan servicer regrading the status of your loan. I went to the website and found out my initial provider is XXXX. I called XXXX ( XXXX ) XXXX asking how is my federal loan doing. The agent told me that it was time to send in my document to recertify me again for the forgiveness program. I told the agent that I sent in the document two months ago but the agent insisted that they did not receive any documents from me. I sent in the documents in again. On XXXX XXXX, I decided to call XXXX XXXX again, to see if that automated voicemail was still there and it was. That's when I texted my Aunt XXXX XXXX : hey auntie, so the student loan program you told me about isn't working anymore and i'm trying to call them and the phone is out of service. That's when I called XXXX again to make sure they got all my documents and they did. The agent then proceeded to tell me that I had to pay the XXXX fee of {$330.00}, so I paid it. I then asked if they were getting my payments of {$40.00} every month for the last year and a half, and the agent stated that they did not receive any documents or payments from my since XXXX XXXX. When I heard that I was shocked because that is when I talked to/signed up to Premier Student Forgiveness Program with XXXX XXXX ( XXXX ) XXXX and gave all my information to an agent at XXXX XXXX XXXX, XXXX XXXX ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: NJ

Complaint narrative:
An unauthorized charge was made by XXXX XXXX XXXX the insurance company XXXX from my escrow account associated with a mortgage account on XX/XX/XXXX in the amount of {$530.00} dollars. 

I contacted the agent right away XXXX and XXXX more time a couple of months later inquiring the progress ), and the agent acknowledged the error and agreed to fix it. However, the refund still has not been issued back to me XXXX or credited back to my account XXXX as of today, XXXX XXXX, XXXX, causing my escrow account to be in shortage for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I am enrolled in the public student loan forgiveness program. I have submitted my employer certification form regularly and qualify. I have also been in a qualifying plan with income based repayment. This is through " Myfedloan. '' The number of qualifying payments fluctuates seemingly at random. I asked for a review of this in XX/XX/XXXX and was told that I would receive a phone call and e-mail about progress. I had received no communication so I called again XX/XX/XXXX. Then I was told it may take six months. In XXXX I received a letter ( which I have attached ) that showed updated payment amount. However, these have once again begun to fluctuate. As an example for 1 loan : XX/XX/XXXX - 32 qualifying payments ( this is the first loan listed on the XXXX bill that is attached ) This number was quite low. And prompted the original phone call in XXXX. 

XX/XX/XXXX - 78 qualifying payments, letter attached. 

XX/XX/XXXX - Bill confirms all of these amounts, bill attached XX/XX/XXXX - Multiple loans change amount of qualifying payments ( majority go down, meaning I lost payments ). 

XX/XX/XXXX - Several loans lose more payments. My employee certification form was once again sent and accepted. 

I called again on XX/XX/XXXX. They tell me that my file is still in review. Can you imagine making a XXXX dollar monthly payment and after multiple months they take 10 payments away? If this was a car and you went to the dealership and they told you the last XXXX dollars didn't count, what would the legal system do? There is no point person for my case. They will not give me a possible end date, merely saying they are " working on it. '' They will not call or email updates though they always say they will. They will not give me any of the paper work they are reviewing to make these determinations. I speak with someone different each time I call. I am getting closer to what should be an end date for forgiveness and in reality there is no end in site as they can simply erase multiple payments for no clear reason. Along with this, I am stuck with my ridiculous interest rate of 7.3 % on average as you can not refinance and stay in the PSLF program. Biggest scam ever. I can not plan for my future as I have no confidence this program is going to actually work, yet I feel stuck as I am so far in at this point that refinancing would result in dramatic financial hardship. 

Please help me make them accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: CT

Complaint narrative:
to whom it may concern : i was approached by village company on XXXX regarding refinancing fha as i already had my mortgage with village capital i accepted that then when i was told i was approved on XX/XX/XXXX i had the closing which was done. then on XX/XX/XXXX i was told to send a pay stub and utility bill which i did.they told me the loan will be paid off on XX/XX/XXXX and my next payment on new loan will be on XX/XX/XXXX i found out on XX/XX/XXXX that loan has not been paid off and i am getting every day harassment call regarding XXXX payment that i am past due i called many times and i get no where they also have put that against me on credit bureau i dont know what i am supposed to do nor where to go please help i do have all the emails and closing paper thank you for your 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 2020-01-05 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: NC

Complaint narrative:
Not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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:
I AM REVIEWING MY CREDIT REPORT AND FIND INCORRECT ACTIVITY IN MY CREDIT REPORT I FOUND A FRAUDULENT ACCOUNTS PLEASE DELETE THESE FRAUDULENT ACCOUNTS HERE I GIVE YOU THE ACCOUNTS AS A FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I am lodging a formal complaint against asset care llc debt collector. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$1000.00} which isn't my debt. Asset care llc never sent me a dunning notice in the mail which would have gave me 30 days to dispute the validity of this debt which isn't mine. Not even a phone call. Asset care has violated the fdcpa/fcra. This is unacceptable and this is happening at the worst time possible. I am in the process of purchasing my very first home for my family and I. I am now being told this errounous account is holding me back! I am requesting this account be deleted immediately from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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:
I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX XXXX XXXX initiated a suit in DC Superior Court in 2019 for default on a line of credit for their client Bank of America. 
There has never been any documents provided before by Bank of America or XXXX on this account. It is a fraudulent charge with debt collections initiated without any notice on the amount defaulted by either the bank of XXXX. Prior to the suit in DC, there has been no statements, emails or calls on this amount. 
Furthermore Bank of America closed a personal account without any information and provided a wire transfer of {$800.00} within the same time frame. 

Both actions severely impacted credit and ability to get employment. The bank has never acknowledged any emails or calls on these two actions nor has there been any further communication out of Court with either XXXX or the executive office of the Bank who has been provided this information through the DC Attorney Generals office.

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 2020-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX B of A assessed a {$12.00} fee on my checking account as maintenance fee. This fee should NOT have been charged because I have complied with the ACH deposit of {$250.00} both in XXXX and XXXX. I have called the bank on XX/XX/XXXX to see why I was the charged the fee. Both the rep and Supervisor I have sopken with agreed that the fee should NOT have been assessed, admitted it was a bank error. However they could not refund it because my request was passed 90 days. This is not acceptable. B of A should not get away with my {$12.00} adding to their over XXXX Billions in fees they collected as of XX/XX/XXXX. 

I am kindly asking for your help in recuperating the fee. 

Many thanks.

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 2020-01-05 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: MO

Complaint narrative:
On Sunday, XX/XX/XXXX, I visited a XXXX 's restaurant for a late dinner. After eating the dinner, I realized I was XXXX XXXX   being very ill that evening with XXXX  and XXXX XXXX XXXX. I called the next day to inform the restaurant manager who referred me to his regional manager. The regional manager called and left me a message and I called several times to follow up leaving messages but never receiving a call back. On Wednesday, XX/XX/XXXX, I called my credit card company to inform them of the issue and they told me that they will place a hold on the charge and review it and to call back 4-6 weeks later to follow up. After calling back 6 weeks later, the same credit card company told me that they don't have any dispute on file, that they do not permit their card holders to dispute anything against restaurants and hotels and there is nothing they can do for me. In fact, they only repeatedly stated that if the " service or product can not be returned in the same condition that it was provided to the customer, that no dispute is permitted and the credit card will not act on my behalf ''. I informed them that this is contrary to the card policy in their attempt to recruit me as a customer - that they do protect their card holders from purchasing issues. Obviously, any serious issues from hotels and restaurants are not protected. For the service industry where there is high variability in quality and for those instances where a customer has been delivered compromised food and/or service, this policy does not protect consumers and rather gives little disincentive for restaurants to deliver sub-quality products/service knowing that there are no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX Capital One Financial Corporation was awarded a court judgement against me in the amount of {$4300.00} for an unpaid credit card account in my name only. At that time, they also froze the joint bank account I had with my spouse which subsequently was released. In XXXX Capital One attempted to garnish my wages, but due to part time employment and my income not meeting garnishment requirements it was dismissed by a judge after appearing in court. On XX/XX/XXXX Capital One has again filed for a garnishment and abstract of judgement hearing dated for XX/XX/XXXX. Due to my unemployment and financial circumstances off an on since the original date of judgement in XXXX that balance remains unpaid and no payment was ever made. Is this company breaking the law by filing another lawsuit against me since it has now been over 10 years since the original judgement was awarded? Hasnt the statute of limitations expired on this type of debt in the state of Virginia?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/XXXX In XXXX I created credit freezes for me ( XXXX XXXX ) and my wife ( XXXX XXXX ). When my son moved into an apartment in fall of XXXX, and I was able to temporarily lift the freeze for a background check, for my wife as guarantor for the apartment lease. 

We're attempting to do the same today, and have been frozen out of the Experian online services system. We were able to answer the security questions posed by the website, but XXXX was unable to remove the freeze on the account. We are unable to contact Experian by phone, and have been directed to mail information to Texas to resolve the dispute. 

As I created a new account today ( but was nonetheless unable to remove the credit reporting freeze ), I saw that my wife 's credit score is XXXX and mine is XXXX. 

-- -- >>>> One problem with the Experian remove freeze page is that Experian requires two PINs, one 4-digit PIN for the account and a longer PIN for the freeze/unfreeze feature. The freeze/unfreeze page requests the personal PIN but doesn't specify that it is the freeze PIN. This invites confusion on its face, but becomes more likely when a user has not been to Experian site in months or longer. At the least, the freeze/unfreeze page software should alert for 4-digit pins, as they're likely mistaken account pins. 

-- -- >>> A second problem with the Experian online service is that it autofilled our zip code as the contact email, while listing the correct email for email verification. The zip code was correct for our address, but is not our email, so the error wasn't apparent until several ( too many, it turns out ) incorrect submissions, and the Experian website did not recognize that the zipcode was not an email address - a clearly foreseeable autofill error. Whether this is due to Experian or XXXX 's autofill feature, the possibility for mis-filling the form turns what is otherwise a convenience into an extremely frustrating inconvenience leading to much venting typing!

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 2020-01-05 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:
I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....

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 2020-01-05 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:
I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....

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 2020-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
When I called to attempt to make a payment with a debit card. They said that option is only available for some consumers not all. I don't think this is fair to anyone that doesn't have this option available to them and could possibly be discriminatory depending on what guidelines they're using. 

Clarification ( I'm only able to make a payment with an account & routing number or a money market account ) Contacted Capital one on XX/XX/2020 to attempt to make a payment with a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Costco Visa credit card closed my credit card in XX/XX/XXXX without notification. In XX/XX/XXXX I received a letter explaining that they closed my credit card because my membership with Costco has not been renewed. Also, the accumulated cash back that they need to pay me by XXXX, a litter more than {$940.00} have been forfeited. I called Citi and Costco and they verified that my membership with Costco is active until XX/XX/XXXX. Following Citi instructions, I applied to reopen the credit card to save my {$940.00} in accumulated cash back. I have been calling Citi and Costco to get an update about my credit card but Citi cant provide any information of my case by phone. I have been waiting for a promised call from Costco but no body call me. I have more than 700 in credit score, I paid my credit card in full every months. In 36 months with Citi Costco VISA, I only pay late in XX/XX/XXXX, the remaining 35 months I paid the credit card on time. My membership with Costco is active and I do not need to renew it until XXXX. It is unfair that they closed my credit card 2 months before they need to pay me {$940.00} in cash back reward. See attached copy of the letter from Citi Costco Visa and my active membership with Costco.

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