vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/2019 I paid a person an amount of {$250.00} in exchange for a smartphone through an online payment app called XXXX. I found out that this person turned out to be a scammer. Once I found out that this person was a scammer I called my bank right away ( XXXX ) and called XXXX right away to stop the payment to be sent to that person. However, both XXXX and XXXX asked me to do a dispute to the transaction. I first did that with XXXX since the payment was not posted at that time. Then, I did that with XXXX and they said we need 7 to 10 business days in order to complete our investigation. Later, I found out that they made their decision in less than 2 days which did not make complete sense to me and their response was we couldn't find enough evidence, therefore we denied the dispute request. I even asked if I could help with that by sending screenshots that shows both the merchant and I agreed on what goods for what amount and how we paid each other, they said we will get back to you incase we need those information. They sent me an email asking me what kind of merchandise or service I paid for?, What date was the service or merchandise to be received?, Have you received all of or just part of the order? -- And then before I even responded to that email, they sent me an email with their final decision right after the first email in less than 24 hours. I tried calling them again to resolve the issue by asking them if they can have a second review on that case and if they can see the screenshots between me and the supposedly merchant, but they were like this is our final decision. I tried calling my bank and their response was we don't have much to do, your matter is with XXXX and try to resolve with them. I told them this is your fault because I called and filed the dispute before the money gets posted and you did not stop the payment. I'm trapped between both companies and no one is willing to help any further and both are like good luck trying to get the money back. No specialist from XXXX took my case seriously and looked further into this matter and every specialist kept transferring to other people that have no idea about my case. As well, no one from XXXX took my claim seriously and they put the blame on me even though I made sure to call before they process any payments with XXXX. I want to know how could that be fair to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I have submitted a complaint in the past about XXXX XXXX XXXX/XXXX XXXX   's business practices and I finally received a credit from XXXX XXXX for Late Payment Fees in XX/XX/2019. AGAIN, XXXX XXXX has been charging me a Late Fee every month since I had a dispute with them. In XXXX I made a {$27.00} payment and was charged a Late Fee of {$27.00}. In XXXX I made a {$52.00} payment and was charged a {$37.00} Late Fee. In XXXX.I made a {$27.00} payment and was charged a {$27.00} Late Fee. My Late Fee should not be more because I sent a larger payment as reflected in my XXXX Statement. XXXX XXXX takes longer than any credit cards I have to process payments. I send 3 payments at the same time at the same mailbox every month. XXXX XXXX is located in the United States and their mail doesn't take any longer to arrive than anyone else 's, although they claim that it does every month. I've asked them for the last two months to change my credit card payment due date and they claim I owe a payment, so they can't do that. Even though the payment is NOT over due. I know that it is required by law to change my payment due date when asked to do so, having informed them I get paid 4 days before the due date. They are just wanting to scam money out of me. XXXX XXXX has caused me Late Payment and Over the Limit Alerts on my credit reports every month, lowering my credit score. I am not going to continually make payments to XXXX XXXX when they take my payment for Late Payment Fees every month, which causes my XXXX XXXX XXXX Balance to get higher each month. I literally make a payment each month, then my XXXX XXXX XXXX balance gets higher, and I receive ZERO for my money! They continually make excuses so they can charge me Late Payment Fees EVERY single month. I know I have legal rights to change my credit card due dates, I have done it in the past. My current payment is not due until XX/XX/2019 and I'm not behind. They are lying to gain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In or about XXXX I opened a XXXX XXXX XXXX # XXXX at a XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX. I purchased tires and I continued getting my car serviced all charged to my XXXX XXXX XXXX XXXX ( which is managed by Citibank. The XXXX XXXX XXXX always honored the XXXX promotions, discounts etc. 
on XX/XX/XXXX I purchased a battery from the same store with the same card ( 2-yeaXXXX warranty ), it was to my surprise when I got the receipt, the store is now called XXXX XXXX but still honors my XXXX card the same as before. please see receipt attached. 
I moved to XXXX XXXX in XXXX and naturally I wanted to find the nearest XXXX XXXX store that would honor my card the same way, which I did, it is located on XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX ( XXXX ) XXXX. The XXXX XXXX sign was and still is on their building. 
I continued to use them the same way as the other store with the same credit XXXX honoring the same promotions and discounts for tires, oil change etc. sometime in this period they changed their name to " XXXX XXXX XXXX '' please see copy attached. remained to treat my XXXX the same way as before. All apply. 
on XX/XX/XXXX my car would not start, I had it jumped and I took to my XXXX / XXXX XXXX tires store. They checked my battery and found out it is 50 % dead and it needs to be replaced. 
I was shocked because I bought it with 2 years warranty from the same company " XXXX '' .. the extra 3 weeks extra from the time f purchase I was out of town and it is not enough time to cause a 2 years battery to be 50 % empty. XXXX XXXX XXXX replaced the battery and told me if I bring the receipt of my original purchase, he would refund my money. I did come back with my receipt from XXXX XXXX XXXX. At such time Goodyear/Action gator tire refused to refund me the money claiming XXXX XXXX is not part of their network. I contacted XXXX and that was a night a mare, I also contacted Citibank that I make my payments to on my XXXX credit card.

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 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My home burned andXXXX I recieved a large insurance payment in XXXX and XXXX. My debit card was replaced ( not by me ). This happened several times I reported it to Capital one. I reported my laptop to stolen and my debit card, I have a police report for this computer. I resolved several transactions that were fraud and e bank resolved them in XX/XX/XXXX But as more were noticed the bank has stopped calling me back and has closed my account as of XX/XX/XXXX. I called and tequested the last four digits of all my debit cards to resolve the fraudulent charges directly with the companies but can't even get a call back from the bank. I can't access it to review my statements. The changes are : {$1300.00} with an unknown company, {$2000.00} person to person transfer with XXXX, {$950.00} with XXXX listed as store # XXXX ... .. Many more, please help mediate to resolve Capital One ignoring me. I would like for the bank to simply answer my calls or forward the last four to each debit card and allow access to my statements as some show whether it was an online purchase as opposed to in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My required monthly payment is {$1800.00}. I sent a check for {$2000.00}, which my servicer, Carrington Mortgage Services received on XX/XX/2019. However, Carrington is refusing this payment. Is there a way to require them to accept the payment I made?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: MI

Complaint narrative:
I am once again emailing you about Fed Loan. In short, it can not add up the correct amounts that I am paying for my loans and keeps telling me that I am behind on payments when I am not. More to the point, it does not count the {$80.00} debited account each month toward my overall total payment. It fixed this issue after I complained to CFPB last year ( see below ). My payment of roughly {$320.00} per month should always be divided between the {$80.00} debited from my account and the remaining money that owe. Fed Loan can not seem to figure this reality out. 


My previous complaint : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Student loan Issue : Dealing with your lender or servicer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX Ditech notified us that we would be given a new account number. When that happened our interest rate went from 1 % to 7.50 % and payment went from {$87.00} to {$310.00}. This was not correct since the above was in effect until XXXX of XXXX, and even at that time the contract does not go to7.5 % it only goes to % 2 with a payment of {$100.00}. This was all per a loan modification ( " 2MP '' ) done in XX/XX/XXXX. 
Each of the last 2 months we have been unable to make payment on the website as it shows the higher rate and payment. So we called and made payment on the phone with a representative for the correct payment amount. ( confirmation numbers are in documentation ). We continue to get calls and letters stating we are over 52 days past due and they have charged late fees. 
When we speak with someone on the phone or we go onto the web site it shows the correct interest rate and payment but letters and phone calls state the opposite. 
When we last spoke with a representative XX/XX/XXXX we were told, " We are working on it. We do not have a resolution date. We have over 11,000 accounts with this same problem. '' We are concerned about our credit report, almost daily letters, weekly phone calls and other possible repercussions since they do not have a resolution date. Since it has already been over 2 months since this all started, any help you can give us would be greatly appreciated. 
See included documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: IL

Complaint narrative:
XXXX  XXXX was not my original servicer, XXXX XXXX   was. I believe consolidated my loans in XX/XX/XXXX to pursue the public service loan forgiveness ( " PSLF '' ). I have been working in XXXX XXXX since XX/XX/XXXX. When I submit my annual certification for PLSF, XXXX XXXX is not counting my public service while XXXX XXXX was the servicer. I have called XXXX XXXX two times and tried to resolve this. Both times, the agent went back into the XXXX XXXX profile and saw my payments made under XXXX XXXX, but before they credited those monthly payments, they disconnected the phone and did not call me back. Each of these calls took about 45 minutes, and that was my whole lunch break, so I could not call back. On XX/XX/XXXX, I wrote a letter to XXXX   XXXX regarding this, and I have received no response back. I would like XXXX XXXX to properly credit my monthly payments made while working in public service. 

Another issue is that for years, XXXX XXXX and XXXX XXXX refused to send the applications out for loan recertification. After I would call and beg for the applications and supposedly get sent the applications in the mail, which I never received, and then begged for the sites for the applications, I would always send in my applications on time. But it would take these servicers a ridiculous amount of time to " process '' what my new payment amount would be. Because they didn't know what my new annual payment was going to be, I had the option of making a full standard payment, which was basically all my earnings for a month, or going on forbearance, and not having that month count toward my PSLF. This is also an unfair practice, when the rubric for calculating a monthly payment is so simple and completely in control of the servicer. XXXX XXXX has since changed this, requiring documents to be sent in sooner, so they could process the new payment amounts by XX/XX/XXXX or so, but I believe those months spent working in public service and having to go on forbearance because the servicers couldn't properly process the payments on a timely application should also be counted towards my 120 payment total. This happened for four years, resulting in 4 months less counted. If they did this for 10 years, it would take just about a whole extra year to achieve forgiveness, which is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My home loan is serviced by FREEDOM MORTGAGE XXXX. XXXX  XXXX XXXX, IN XXXX. Their website is freedommortgage.com and it is available for online payments. 

On XX/XX/2019 I utilized their website to make an online payment. Upon completion of the payment process, I received a screen prompt advising me that a technical difficulty had occurred and my payment was unable to be processed. I called and spoke with a call taker and processed my payment. The call taker confirmed that my records showed an attempted but failed payment. The call taker confirmed that no payment was processed. I completed the process and made a successful payment. 

On XX/XX/2019 my bank records showed that two payments from Freedom Mortgage had been debited from my checking account. Due to the duplicate payment, I now had a large negative balance, overdraft fees and I was broke. 

This was a duplicate payment and it was an error by the online system. On XX/XX/2019 I contacted Freedom Mortgage and was advised I made the payment and they could not help me. I was told I could request a refund, but I would need to provide a bank statement. I provided the statement but then was told a refund wasn't possible but they would look at my statement in 24 hours. I spoke with a manager and was advised I might be able to be given a refund, but that it would take 48 hours to review my statement and over a week to complete the refund. 

Freedom Mortgage did not admit to the error. I was accused of fraud and I was told it was my fault. I disputed the transaction with my bank and that investigation is pending. 

I was treated unfairly, a duplicate transaction was taken from my account without my authorization, my request for a refund was not taken seriously and it was denied. I spent over an hour on the phone without any resolution and was told conflicting information. My online mortgage account transactions appear to not be secure. I am broke and now responsible for overdraft fees. This incident was no fault of my own.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  XXXX This creditor states I was Late on Dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX This creditor states I was Late on Dates : Late Dates : XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX THIS INQUIRY IS NOT PERMISSIBLE

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 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Regarding Loan # XXXX ( XXXX ) XXXX XXXX Closing : Bank of America ( lender ) located at XXXX XXXX XXXX in XXXX, Ca XXXX recorded a Deed of Trust in the XXXX XXXX Accessor office with me as a borrower ( Trustor ). I did not sign this document. The signature using my name was not signed by me. I did not apply for or agree to pay this mortgage on my home. The amount of unpaid debt on the Trustee 's Deed Upon Sale document is {$760000.00}. The amount paid by XXXX XXXX XXXX South Dakota XXXX ( the Grantee ) was {>= $1,000,000}. The Deed of Trust was recorded on XX/XX/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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
There is a dispute between the company I work for and another regarding services rendered. I saw emails last month back and forth and responded to one ( per my boss )  asking for receipts. I spoke to XXXX on the phone another time, explained that I did not know much about the dispute but would try to help by forwarding information. On XXXX, I received a call on my personal cell from XXXX XXXX, Debt collector at Hillcrest, Davidson & Assoc L.L.C. XXXX called first from my boss 's # ( XXXX spoofed his caller ID impersonating him with his phone number so I picked up the phone thinking it was my boss ). He started talking about me paying the debt and calling me names. I told him I am an employee of the company, don't make decisions regarding payment, asked how he got my # ( didn't know my last name ) & stated it is illegal to spoof a #. He said he is good at what he does and kept demanding payment. I told him not to call me back as I am a 3rd party and would report him. He immediately texted me from unknown # XXXX with the following texts I am attaching ( I am not sure if he spoofed that # as well ). He was extremely unprofessional and tried to intimidate me. Moreover, it was extremely disturbing that I am not the person/company he is collecting a debt from. 

Company info per the email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX Direct XXXX Office XXXX www.hillcrestdavidson.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo ( ran by PayPal ) froze my prepaid card. They wouldnt give me a reason as to why only that an account specialist will email me in a 7-10 days. I Explained to multiple customer support specialist and supervisors that this is a prepaid card that I loaded money onto. Its sound illegal to free a card with money on it thats mine. I also told her this card is my livelihood for day to day transactions. How an I suppose to survive with all my money on this card until I get paid in two weeks. Thats how I get to work. They never even called and said the card was frozen. I tried to spend my money and had to put my stuff back Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX-XXXX-XXXX {$100.00} Medical / XXXX XXXX XXXX XXXX XX/XX/2018 I have called numerous times to get a copy of proof for this claimed outstanding debt. Twice I have been told something would be mailed to me and three times I have been told they have requested proof from the provider and never have I received proof nor does my insurance carrier have any record. Please remove this claim from my record or send me a full summary of my bill, including the data of service, claims filed with carrier and an address to pay the bill.

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