vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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:
On XX/XX/2020 I called Fed Loan Servicing and asked why my Federal Student Loan XX/XX/2020 Payment did not show suspended because of the CARES Act. The CARES Act stated the suspension would automatically be granted and yet my account is not updated. When I reached customer service, I was told the only way the payment would be suspended would be a forbearance. That is false. There is a difference between suspending payments in accordance with the CARES Act and a forbearance. Issuing a forbearance would not count towards public service forgiveness, or traditional forgiveness after 25 years. I inquired if I suspended my automatic debit payments, would my account show delinquent after the nonpayment on XX/XX/2020? The customer service rep answered yes, and that it was nearly impossible to suspend the automatic debit because their system takes three days to update. Again payments are supposed to be suspended XX/XX/XXXX through XX/XX/XXXX without a request. She also said any suspension in payments would not count towards Public Service Loan Forgiveness, again false. I asked to speak to a supervisor, and she said no supervisor was available for the foreseeable future, but took my name and number to call back later. Therefore I have been put in an untenable situation. If I stop payments at my peril to receive the federal assistance that has been granted to me, I was told my account would be in default. Fed Loan has not been proactive, cooperative, or responsive. Fed Loan has interpreted the CARES Act in a way that is beneficial to Fed Loan and ignores the benefits guaranteed to the Student Loan Holder. Fed Loan Student Loan Account holders deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Anual Fee posted on XX/XX/XXXX on US Bank Flex Perks rewards credit card. Attempted to close account XX/XX/XXXX and US Bank refuses to prorate or refund annual fee of {$49.00}. Spoke with XXXX on a recorded hotline. 

1. Policy is not clear 2. Card profuct is being discontinued 3. Card has not been used in many years 4 {$49.00} annual fee on a card with little benefit and {$1000.00} limit is predatory.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I transferred a {$5000.00} balance to my Chase Freedom Card in XXXX this year ( 2020 ). I was charged {$150.00} for the transfer and the interest was to be 0 % for the rest if the year. 

I continued to use the card and pay it off monthly like I did before the balance transfer, but last month was charged interest on the purchases even though I paid off all purchases before the statement due date. I called and the person I talked to said that as part of the balance transfer purchases now accrue interest daily instead of monthly and she would reverse that interest charge. 

I looked at my statement today and was charged even more interest then I was last month. Looking closer my payments for the purchases are going toward the {$5000.00} balance transfer. My current balance transfer is {$4500.00} .... 

This is extremely misleading and I was lied to on the phone by the women who didn't tell me that payments first go to the balance transfer, she said the interest was because there was no grace period now, it started daily. 

I would never have done the balance transfer or made any purchases after doing the balance transfer if I knew this was how the card worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 i sent {$93000.00} to XXXX via wire transfer from my bank account with BBVA. The beneficiary claims to have never received the funds and BBVA have sent multiple service messages to try and resolve this issue. They have since issued a wire recall service message however this has not been responded to. I have asked BBVA to call the beneficiary bank however they refuse to do so and i'm left with no other option at this time but to file this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: ERC
State: PA

Complaint narrative:
ENHANCED RECOVERY COMPAN Reported : XX/XX/2020  {$660.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hello, I have been facing a lot of issue with paypal since i have my account but i can tell you that that one is the worse. 

They closed my account without any notice on XX/XX/2019 and since then keeping my money in hostage for 6 months. 

The amount is {$60.00} dollars i know it is not a huge amount but this is abusive and they changed their rules long after Ive opened my account with them, and got the nerves to say that i have accepted. But when youre already a customer and in that meantime they are changing the users agreement you dont get to chose if you accept the conditions or not, they just send an update regarding their new agreements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting incorrectly a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years and it has been ( 7 ) years since the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
Dear CFPB. I am sending copy of Closing Disclosure.Finaly i found., This CD are the rules to respect borrower and me.Could you show me LOANCARE where is point that I have to pay monthly escrow account? Why you do not respect this rules and accuse me of non payment for three months. 
So if there is no rules about monthly payment i can pay semiannualy or annualy no doubt about that.So please cancel all charges against me and please cancel " prepayment penalty '' on your statement.THIS IS THE LAW.

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 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
on the XX/XX/20, two transactions were processed to transfer funds totalling XXXX US dollars, these funds were suppose to be available on the XX/XX/20 on the respective account. however they have not been transferred and i have been debited the amount. ive tried contacting the bank, with no assistance or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NJ

Complaint narrative:
I attempted to resolve the debt with ERC on XXXX in the amount of {$49.00}, charges were paid to remove this account from all credit bureaus and not collect any more fees. Its still effecting my credit please remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MN

Complaint narrative:
It started on XX/XX/XXXX! They took out {$370.00} for the first payment and after its every other week! The interst is so high that it is not fair to the comsumer! They are also using a retail name that they are not associtated with!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper has indicated a new loan was created on my behalf on XX/XX/XXXX. I did not create a new loan. 
The Statute of Frauds Relating to Loan Agreements Section 26.02 In 1989, the legislature enacted section 26.02 a specific statute of frauds for loan agreements involving loans exceeding {$50000.00}. See TEX. BUS. & COM. CODE ANN. 26.02. Under this statute, a loan agreement is not enforceable unless the agreement is in writing and signed by the party to be bound or by that party 's authorized representative. Id. 26.02 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
I was sent a Letter from a collections agency for a medical bill. I sent them a verification letter and never heard anything back, I assumed it was over and done with. I applied for a car loan and was denied because of low credit, I looked and this collections company put a derogatory mark on my credit for not paying them a debt that I do not owe. I included a picture of the last medical bill I had that was from that year they claim I owe from and it was paid in full years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-03-30 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: OH

Complaint narrative:
I get phone calls at XXXX and XXXX XXXX  everyday over a month even after I registered the number. I can't talk to live person it just hangs up. left message not to call but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/2020. My payment arrived 5 days late. Due on XXXX arrived on XXXX. Never been late before. A late charge was assessed. I was not notified. I sent in XXXX payment, on time. They deducted the late fee and did not tell me. Then charged me another late fee for being late again. And did not tell me again. Racking up late charges. I would never have known this but checking my credit score saw that they reported me 30 days late. For a late fee that I was unaware off. Could not contact customer service Due to Covid-19 diminished staffing of customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have no acknowledgments of this account I never owned an account with Huntington bank my information was stolen and I had gotten a block I eve there was a XXXX XXXX  account was open I dont have knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commentiy bank was contacted XX/XX/XXXX to file a fraud claim. The XXXX claim was resolved within 30 days. Zales has now been " reviewing '' my claim for 99 days. I have attempted to call them three times with the only answer being " we will contact the investigator ''. I have requested a call back from the investigator twice and never received any call back. This account was opened in Oregon. I live in Florida and have transactions in Florida at the exact same time as the purchases in Oregon. I have tried to explain this to Zales with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DPT ED/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