vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC
State: CA

Complaint narrative:
I received a call from ( XXXX ) XXXX saying they were calling from D2 Management, I spoke to XXXX and she was trying to get me to confirm my SSN, I let her know that I didn't feel comfortable giving them my SSN, i asked her twice were she was calling from and she said D2 Management, I asked her for their phone number and she said it was on my caller ID and she hung up. I called the ( XXXX ) XXXX - XXXX and a lady answered saying hello, I asked were I was calling to and she said D-2 Management, I asked her what it was about and she said they were collecting for XXXX XXXX and that they were doing it before XXXX  XXXX would take further legal action against me. I asked the lady for an account number to mail a check and she said that they do not take check only debit cards, I asked her again for an account number and she said that she didn't know what I was talking about and she said that she was going to get her manager, i told her that they are supposed to have an account number for my collections account and that they are not following the FDCPA rules and she hung up on me. I never recived anything from XXXX XXXX or D2 Management stating that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Hacked family member XXXX  account, government grant scam, suggests you can get money from a grant, refers you to some fake XXXX  person, they ask for some details then ask for money, the more money you give them, the more money your " grant '' is. 

Chase was not interested in resolving the issue or prosecuting the bank account holder : The final details, including the bank routing number : This is our cashier information you are going to make the payment to through Chase Bank Bank Name : XXXX XXXX  XXXX  Routine Number : XXXX Acct Number : XXXX You are going to get a Cashier check and make the deposit into Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I was a victim of identity theft. The account was opened without my authorization. Fraudulent charges were made and are being reported on my credit report. I have contacted the creditor to get this matter resolved. They refuse to honor my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber
State: CA

Complaint narrative:
This is regarding two Hard Inquiries and 1 Collection : the first hard inquiry is XXXX  XXXX XXXX XXXX in XXXX California the first time I contacted the Gen Manager there was XX/XX/2019 and the only time. I began telling him why I was calling and told him that I had never stepped foot into at their dealership and would appreciate it if they would remove the hard inquiry off my report he said first that he would have to look up my application when I came into their facility? I asked him how are you going to find my application if I've never been into your dealership? Then he proceeded to tell me he could not help me there was nothing he could do since I have never been in their dealership. I stated you have to write a letter to get this off of my credit since its fraud he said there's nothing he can do for me and I just I don't the phone I'm at my wit 's end with this dealership. 
The 2nd Hard Inquiry is XXXX XXXX. The 1st time I spoke with XXXX was back in XX/XX/2019 when I had realized that they had ran my credit without my authorization. He stated no problem they write a letter it would take up to 30 to 60 days till it falls off my credit report. In XX/XX/2019 I realized it hadn't been removed off my report and I contacted XXXX and informed him of this and he's told me that he no longer work there at XXXX XXXX that I needed to contact XXXX. I then turned around and contacted XXXX for him to inform me that they would write the letter and give it 30 to 60 days. The 5th time contacting XXXX XXXX was XX/XX/2019. This time I spoke with XXXX  and now I was informed that I need a  police report if I file a police report and brought it down to them they will write the letter. I feel as though I'm getting the runaround from both dealerships especially XXXX XXXX it's pretty frustrating. 
The third account is Grant and Weber, XXXX Hospital the amount is for {$3400.00}. ( thats the collection amt {$2100.00} ) My issue is I've never been to this Hospital I contacted XXXX Hospital in XXXX Ca.. I spoke with two different accounting individuals and neither one found me in their system which would make sense because I've never been there.

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 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I filed a complaint ( number XXXX ) and my complaint was closed because fifth third bank responded ; their response was they were " looking into the matter ''. I continue to be charged interest for a balance transfer that never took place and my complaint was closed because they were " looking into it ''? I am filing another complaint because the bogus charges continue to accrue with no attempt at resolution by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

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 2019-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient viewer my profile on XXXX XXXX for Debt collection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC
State: CA

Complaint narrative:
I received a call from ( XXXX ) XXXX saying they were calling from D2 Management, I spoke to XXXX and she was trying to get me to confirm my SSN, I let her know that I didn't feel comfortable giving them my SSN, i asked her twice were she was calling from and she said D2 Management, I asked her for their phone number and she said it was on my caller ID and she hung up. I called the ( XXXX ) XXXX - XXXX and a lady answered saying hello, I asked were I was calling to and she said D-2 Management, I asked her what it was about and she said they were collecting for XXXX  XXXX and that they were doing it before XXXX  XXXX would take further legal action against me. I asked the lady for an account number to mail a check and she said that they do not take check only debit cards, I asked her again for an account number and she said that she didn't know what I was talking about and she said that she was going to get her manager, i told her that they are supposed to have an account number for my collections account and that they are not following the FDCPA rules and she hung up on me. I never recived anything from XXXX XXXX  or D2 Management stating that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
PennyMac USA simply refuses to post our escrow shortage payment in full check to escrow followed by 2 monthly payments since - They've applied them to principle only causing fee 's to be charged - Our first message started on XX/XX/2019 with many  messages and phone calls since up to now ( XX/XX/2019). 

This is the latest message/request we made to PennyMac USA : Please remove the fees of {$79.00} from our latest statement (XX/XX/XXXX ) Please note - ALL past payments have been marked ( in memo ) where to have been applied. 

Please post our XX/XX/2019 check for {$1800.00} to XX/XX/2019 Payment - The XX/XX/2019 payment of {$1600.00} was marked to be applied to XX/XX/XXXX Escrow Escrow Analysis ( option B ) which paid the Escrow shortage in full ( please correct the payment and post it to Escrow ). 

The XX/XX/2019 payment of {$1800.00} payment was for XX/XX/2019 Payment ( {$1800.00} ) based upon XX/XX/2019 Escrow Analysis and fact we did option B on the XX/XX/2019 Escrow Analysis - paid shortage in full ) - Please NOTE, our XX/XX/XXXXpayment ( XX/XX/2019 payment of {$1800.00} has NOT been posted correct either, please do correct this ). 

Our monthly payments should be only {$1800.00} as we PAID IN FULL our escrow shortage XX/XX/2019 with the payment of {$1600.00} - Yet our payment still shows as $ XXXXish with both payments ( XX/XX/XXXX and XX/XX/XXXX payments ) posted wrong. 

Please I've been asking for over a month now, I've made several phone calls, I've taken a couple of collection calls now as well - PLEASE correct how our payments have posted - There is no way making these simple corrections take months ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
During the last year last few semesters of my XXXX I sought financial assistance through SallieMae ( 2012 ) for approximately $ XXXX. I didnt know at the time that I was eligible for federal loans, but I was only offered private loans which is what I accepted. The private loans have stricter repayment rules and higher interest rates, and they dont fall under the loan forgiveness program which I do qualify for. I feel as though the loans were predatory, can this be made right?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I looked for someone to sublease my apartment on XXXX. A girl named XXXX XXXX on XXXX messenger contacted me through messenger saying that she wants to rent the apartment and would like to send a check to me to secure the apartment. The rent of apartment is only XXXX but she sent me XXXX instead and said that the remaining of money is for other expense. I deposited the check into my bank account and it appeared in my bank account. Few days later she told me that her father passed away so she needed the money back for the medical bills. I made two transactions through XXXX in Bank of America mobile app. The first one was XXXX USD and the second one was XXXX XXXX. Few days later she sent me another XXXX check as payback. She then told me that she needed another XXXX USD again for her father 's medial expense so I sent it back again. I then checked my banking account and discovered that the previous check that I recieved got returned and is no longer valid which I found out that I was scammed. In total, I was scammed XXXX+XXXX+XXXX=XXXX  USD and the payments were made through XXXX in Bank of America mobile app . I really need my money back and thats all I ask for. Thank you.

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 2019-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage Corporation manages an escrow account for the property I purchased XX/XX/XXXX. Although they have used the account to pay the residential property taxes ans property insurance - they failed at paying the taxes on a separate tax parcel that was included in the mortgage agreement. 

Despite my multiple attempts to resolve the situation, my closing company 's multiple attempts, and my original loan servicing company 's multiple attempts to resolve the situation, Freedom Mortgage Corporation has neglected to pay the taxes for that parcel - despite the escrow account having the required funds to do so. 

As a result, late fees and penalties were incurred due to this mismanagement of the escrow account in breach of the original mortgage contract agreement. 

I have since received a " refund '' check from that escrow account for the overage that I used to pay the complete tax bill including penalties. However, I feel as though Freedom Mortgage Corporation is liable for these fees, and should be reimbursed to me as a result - totaling {$470.00}. 

Freedom Mortgage Corporation has continued to ignore my requests that they respond via electronic correspondence so that there is a record of the interaction between us. 

They have also sent an indication that they intend to lower my monthly auto-payment of my mortgage payment to reflect these tax funds not being withheld any longer - forcing me to essentially start my own savings account to pay for the taxes that they are contractually obligated to collect funds for and distribute payment accordingly. 

I initially raised this issue on XX/XX/XXXX with Freedom Mortgage Corporation through my loan servicing company and real estate closing company. It is now over three months later, and even after threatening Freedom Mortgage Corporation with this impending complaint, they have still refused to respond.

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 2019-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I would like to obtain documentation showing the transfer of my AES note, transfer letter and chain of custody of my loan, etc. 

AES states they are not obliged to possess the chain of custody documents which transferred the ownership from the original owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have experienced some concerning the credit reporting activity within XXXX, offered by Capital One. 

I have reported my other issues with the CFPB. Now I see that : My address is reported inaccurately on my XXXX credit report. 
Please advise. 

I am growing more concerned now that I'm discovering inaccurate information delivered through XXXX XXXX via Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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 — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
The Loancare services company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.

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 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
calls started a few days ago from Central Portfolio Control out of Minnesota, they have relentlessly been calling my home, cell, husbands work, my work without any explanation of any kind. 

we have been called by a XXXX XXXX to my husbands work number and a XXXX XXXX to my work number. I immediately called and left a message with XXXX XXXX 's answering device ( he did not pick up ) to inform him to cease and desist all calls and any further contact must be made in writing. 

these are the numbers they are calling from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
For the past three months I've received a phone call from iq data International nearly every other day. Whenever I answer they ask for me by name but when I ask who's calling they refuse to say who they are with, the agent gives his name XXXX but then when I ask the company he's calling for he says does it matter? Absolutely refuses to tell me who he's with and gets very rude when i ask questions. I only know it's iq data international by calling the number back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to  agencies monthly.

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 2019-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Its been over a year now that I have tried disputing this item off of my credit. No one can prove to me that this is mine, no legal documents have been sent to me and I need it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation