vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Immediate Credit Recovery
State: PA

Complaint narrative:
I have a federal student loan that is in default and placed with Immediate Credit Recovery as a private collection agency. It appears they try to contact me and do not leave voicemails. I have discovered, through my own investigation, my defaulted loan is scheduled for treasury offset with my 2018 tax return. I have been trying to contact the correct Department for loan services in regards to consolidation or rehabilitation/ whatever other options may be available however every time I contact the business I am rushed to be transferred and once I am I am told to leave a voicemail to a mailbox that is full and will not accept a message. I have tried contacting other departments of the business to see if they have a way of contacting the department to find out what is going on but everyone is rude and of no help saying they are totally unaffiliated with that department which I do not exactly understand if this is all the same business. I have tried to contact the US Department of Education directly for the issue and they have also submitted a complaint to the collecting company but they are unable to help me. I am trying to do the right thing by getting in touch with these people to correct my debt and they have made it extremely difficult and frustrating. I do not know where else to turn besides possibly seeking advice from a lawyer at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: IL

Complaint narrative:
Sallie Mae has contacted me all day, weekends, and holidays. They have contacted my mother and father more than once. I repeatedly told the loan officer I am still in school and I am still in an internship required by school and I will be submitting paperwork shortly. They are still calling and harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Re : Overpayment on refinancing Account # XXXX On XX/XX/XXXX I refinanced my student loans with XXXX and they paid Navient {$69000.00}. This is an over payment of {$930.00} of the last principal balance fromXX/XX/XXXX. I calledXX/XX/XXXX and was told that the over payment went towards the loan you still currently house ( XXXX ). Upon adding the numbers that was applied to loan XXXX the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and  XXXX XXXX when XXXX paid you for the loans and during that time interest had accrued, however, I know that {$400.00} of interest had not accrued during 6 days. So can you please tell me where the missing {$400.00} has gone?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX I have been attempting to clear up the effects of identity theft. There have been many names, social security numbers, addresses, phone numbers and accounts on my credit reports that are as a result of this identity theft. I also have been made aware that I have a split file that Equifax claims to be unable to fix.

Issue 1 - In XX/XX/XXXX I had a disputed tradeline ( XXXX  ) deleted due to inaccurate reporting. The creditor attempted to delete the tradeline several times, but Equifax did not process the deletions due to the split file problem. This tradeline is now on my 2nd split file only. Resolution requested - It should be completely deleted.

Issue 2 - At the beginning ofXX/XX/XXXXI received a notice from XXXX that my credit score had dropped 200 points. I pulled my credit report through Equifax directly and saw that all of my tradelines were gone, and only 3 new collection tradelines were listed. When I called to find out what had happened I was advised that I had a split file. I have submitted my ID and Social, as well as address information, etc. and Equifax keeps sending me letters saying they are unable to fix my split file. Resolution requested - Immediately fix my split file.

Issue 3 - On XX/XX/XXXX I faxed another fraud block request for these new accounts. Included were my police reports, FTC Affidavit, proofs of address over the last 8 years, driver license, social security cards and a cover letter. I have been advised that this process will take 30 days. I have advised Equifax, in the request and over the phone, that this is a 605B request and that they have 5 business days by law. Resolution requested - Immediately process my 605B fraud block request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I purchased a mobile home in XXXX for {$40000.00}. I put down {$10000.00} and financing {$30000.00}. This was financed with Green Tree and they have since changed their name to Ditech Financial but it is the same company. 
On XXXX XXXX, XXXX, I will have been paying this mortgage for 20 years. The company now says I still have a balance of over {$16000.00}. 
I requested an amortization and according to this document, most of my payments have gone to interest with zero going toward the principal. When I questioned Ditech, I was told it was because of simple interest which is crazy because I should still have principal payments and not zero. 
According to my calculations, I have paid over {$80000.00} on a {$30000.00} loan. Ditech has sent me a letter stating that I owe over {$22000.00} on this {$30000.00} loan that I have paid on for 20 years. 
So for the past 20 years, this company has only applied {$8000.00} to the principal which is just crazy. 
I need help. I have contacted them and offered a settlement offer of {$3000.00} along with a hardship letter as I am now living on a limited income of {$850.00} per month. They have turned down my offer and asked for {$7000.00} and I have counter offered {$5000.00} but I feel that I have paid them enough. 
They have called me asking when I am going to vacate my home and I told them I wo n't leave. 
Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I worked with my mortgage existing lender Suntrust Mortgage to refinance my house. I spoke to XXXX XXXX to make a long story short. XXXX told me I did n't qualify for the new loan modification but that he can do regular conventional loan and give me good rate and payment would be at {$2100.00} with tax and insurance. I verified with him to make sure that it was correct amount since I was paying before $ 1800+ dollars a month. He said yes and I signed up to refinance. Now he had all my information taxes insurance because they were my same lender. A year later comes, and I get a bank statement under new account XXXX telling me I have a escrow shortage of {$4600.00} and I had to pay by XXXX2018 or my payment would be {$2800.00}. If I did pay it I would still be paying {$240000.00} every month. They were deceptive and to me they committed fraud to get me to signup on a new loan. If they told me upfront the payment would be this much, I would of never refinanced. I do n't have that kind of money saved to pay back outrageous shortage fee and higher payment a month. I trusted this bank to do the right thing. I called them and spoke to XXXX of client solutions at XXXX XXXX XXXX and she sent it to higher management to investigate what went wrong.

This is not a {$100.00} mistake. This is a $ 400.00+ a month mistake and a {$4600.00} bill. What she found out so far was she said that suntrust did n't make a mistake it was a 3rd party they hired. I didnt ' hire the 3rd party. I hired my same back to give me honest deal. I feel I was lied to and fraudulently given a wrong rate to get me to signup with them on refinancing. This shows them doing another loan and now I 'm struck with an outrageous loan. they have to do something. They lied to there consumer.

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
I had been a customer with XXXX XXXX and purchased a phone with my planXX/XX/XXXX. I opened other lines in addition to the first line. After a couple months my phone screen went black and I was unable to use the phone. When I arrived at the store they dismissed my insurance and complaint of the phone. They then proceeded to sell me a XXXX  additional purchase for a new phone. I canceled my policy and changed carriers. XX/XX/XXXXI received a credit report and a collection of XXXX was owed to Pinnacle Credit Services. I have not received any information on this collection or any communication by phone, mail or email. I called the Credit Services on the number listed and inquired about this debt. The information was inconsistent after calling 4 separate times, with four seperate agents. I am calling to have this removed from my credit report with XXXX charges owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial
State: FL

Complaint narrative:
I joined a student loan consolidation program, income based, made monthly payments of XXXX a month. I kept seeing one of my loans on my credit report at default. I would call and it would come off for 3 months, deferment. I finally asked why this keeps happening, Ameritech stated the XXXX I was paying a month was to do paperwork. When I contacted the original lean holder to arrange payments it was less and they warned me about these consolidations. I paid XXXX a month for 2 years for " paperwork '' I completed this so called paperwork with the lean holder over the phone and my payments are less than XXXX. I told Ameritech to stop taking the automatic monthly payments out of my account, but no return of funds and the delinquency on my credit has been resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name spell on the credit report is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Using PayPal in attempt to send money to a friend for a purchase, I typed in the incorrect paypal email and sent {$120.00} according to PayPal he 'll receive it XXXX/XXXX/18 but there 's nothing I can do but ask him to send it back. If he declines to send it back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We are in a Hurricane Irma FEMA designated area ( XXXX  FloridaXXXX XXXX , FL vicinity ). 

Thank you Chase for your XXXX and XXXX deferment grace period. 

We paid our Chase XXXX minimum payment of {$390.00} as requested. 

We are going to need at minimum an additional 1-2 month deferred minimum payment grace period on our Chase credit card ending in XXXX due to the extensive Hurricane Irma damage we sustained. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.

however two of the major credit bureaus refuse to take them off. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: PA

Complaint narrative:
The complaint is between XXXX XXXX XXXX & the XXXX Chase XXXX Rewards Card that I hold.

I purchased a vacation through this service on XX/XX/XXXX in the amount of {$5500.00}, charged in full to my XXXX Chase XXXX Rewards credit card.

That purchased included an itemized summary of Flight & hotel. Ground transportation. And a Package Protection Plan.

The Package Protection Plan cost {$340.00} in premium and policy stated on Page 1, the right to change or cancel for any reason prior to the scheduled date ( XX/XX/XXXX ) for a full refund.

I canceled the trip on XX/XX/XXXXover the phone with XXXX XXXX XXXX and was verbally today the amounts of the refunds that I was set to receive. In no particular order, Hotel was to be refunded in the amount of {$2200.00} Ground Transport was to be refunded in the amount of {$300.00} and Airfare was to be refunded in the amount of {$2700.00}. I would stand to lose the insurance premium as expected in the amount of {$340.00} The amounts {$2200.00} and {$300.00} were refunded promptly ; however the amount of {$2700.00} has yet to be refunded, now four full months later.

Calls to XXXX XXXX XXXX XXXX were made at least 10 times. Documented online requests through customer service are available for review on XX/XX/XXXX. Phone calls to offshore agents and elevated to supervisors on staff were made, notably a saved voice mail on my cell phone dated XX/XX/XXXX indicated that I should not worry ( supervisor ) that the refund and confirmed amount of {$2700.00} was being processed.

XX/XX/XXXX - I wrote a letter to the firm documenting my complaint.

Today,XX/XX/XXXX i logged another phone call to a " supervisor '' again being told that the amount of refund was above his authority, but that he was elevating it to the right level to assure me that it was being processed.

Four month 's later, at an interest rate of over 21 % - I am sure that I have paid well over {$2700.00} I am owed this money without question. The insurance policy that I purchased was purchased indeed to protect me from this very issue. Perhaps I also have an issue with the XXXX Casualty Insurance Company, pursuant to policy number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX reported to XXXX on XXXX XXXX 2017 that I owe the debt of {$220.00} to XXXX. I owe nothing to XXXX XXXX and do not recall having XXXX XXXX XXXX

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 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Very aggressive company ( American Express in association with XXXX XXXX ), I am working with a debt relief program through a lawyer and have been advised to have no more contact with debt collectors because they are acting as my power of attorney. After multiple calls to my place of employment ( every day for AT LEAST 2 weeks between XX/XX/XXXX toXX/XX/XXXX ), they have been sternly told by myself and coworkers that they are NOT allowed to call the restaurant any longer. They would call during lunch hour as well. The calls continued. The most recent started with them saying, " XXXX XXXX we know you asked us not to call your work but, ... '', they were again, advised to NEVER call again and that my lawyer would be in contact in regards to the debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name spell on the credit report is incorrect

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 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase Bank repeatedly calls my OLD place of employment and have been told MANY times to STOP calling as I am no longer employed by that company and the fact that it is the front desk of a busy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Since XXXX 2016, Credit Control Services has been reporting a collection from XXXX XXXX XXXX for {$210.00} to several credit bureaus. This debt is not valid as I should not owe any amount to XXXX. I cancelled my plan with them when I got new coverage for both my vehicles. All premiums were current at that point. Without prompting, they decided to extend my coverage and then charged me for it. It was not coverage that I needed, nor were they told to do so. As such, I refuse to pay this bill incurred without my consent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have two separate loans with this company and when I sent them two payments they purposely apply the payment to the wrong account. Over the years I 've paid more interest on the account than what 's been applied to the principal. I make timely payments and yet the amount that I owe has not been reduced at all. AES makes it almost impossible to paid off my student loan due to the manner in which it applies my money to the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent my rent check to my landlord via USPS in XXXX of 2017 - one month later when my landlord told me my rent was late, we realized that the check was fraudulently cashed at a cashier - someone the check was intercepted. I am attaching a copy of the back of the fraud check that was cashed without being endorsed by the company it was written out to. 

My bank ( BANK OF AMERICA ) opened a claim and tried to get the money back from the depositing bank ( XXXX XXXX ) but did not receive a response so they did not give me my money back. 

I attached the fraud cashed check, a cashed check how it should look from my landlord and the letter from BofA saying that they are closing my claim and can not give me my money back even though they know this was a fraudulent check.

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 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS.  If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.

Company response to consumer: Closed with explanation