vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-07 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: PA

Complaint narrative:
My payment amount on my XX/XX/2020 statement increased by over {$200.00} without any notice or reason from Fed Loan Servicing. I paid my usual amount and emailed Fed Loan. No response. I email them again and finally get a response which included a threat about reporting me to a credit agency for late payment of the balance of {$210.00}. Incredible! I paid my usual amount while waiting for an explanation that never came until I emailed again and they threaten me!? I have an excellent payment history on this loan and all of my other debts. This is insulting and infuriating. These people are the worst. I paid the {$210.00} just to stop them from fraudulently reporting me to a credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Account Management Services, LLC
State: AZ

Complaint narrative:
I made payment agreement with collection agency to resolve my defaulted student loans, recieved the written confirmation with amount and letter stating that " This payment must be recieved by XX/XX/XXXX''. I mailed my payment via USPS, over night with tracking and recieved confirmation that the payment was delievered on XX/XX/XXXX When I followed up to ensure that my account was updated and now free of default I was told that I was in default of the payment agreement because payment was not processed and posted by the due date and that I would need to submit all my proof that the payment was delivered on time. ( I forwarded the tracking information with delivery confirmation, that the certified funds were able to be cashed on due date, and the letter indicating that payment must be recieved by ). I was then instructed to contact the department of education as they handle the payments who informed me that since I was in collections I could only speak with the collection agency. I then was only given run around answers when a letter date forXX/XX/XXXXwas issued to my employer to garnish my wages forcing me into another payment agreement. I again paid the settlement in full and used certified tracking for my deliverery with proof onXX/XX/XXXX and am unable to have any response as to my payment being recieved, processed or posted. I have been harrased into paying additional sums and faulse information being given about due dates and expectations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Disputed : XXXX/XXXX/XXXX CFPB : SunTrust Bank/Light Stram & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : SunTrust Bank with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

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 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020 I dropped off a form SSA-2458 at my local Chase branch, as directed by the bank 's reclamation team. While the reclamation team assured me that the branch would know where to send the form ( the ACH area of the Reclamation Department ). That was not true as the branch staff ( including the branch manager ) had no clue what to do with the form The morning of XX/XX/XXXX, I received a voicemail from the branch indicating that they figured where the form should go and scanned in the document to " the right people ''. 

After two business days, I have not heard anything further on the status of the hold in the amount of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: SC

Complaint narrative:
From XXXX, I tried to buy a condo for a primary residence that currently has a tenant contracted with the current owner. I wanted to move in as soon as possible but I was told that I can't until XXXX because the contract with the tenant will be over this XXXX. 

I have told the mortgage company about this situation since thebeginning. They approved my loan and I provided all the documents they requested and even have signed the disclosure. In addition, I have paid all the money that I needed for processing. 

My closing was supposed to be last Thursday, XXXX XXXX. I have paid for everything and I was ready for closing. But, the company said they can't process my mortgage any more and have to cancel it because I won't be able to move in 2 months. They said I will get a rent from the tenant until I move in and the home purchase can not be a primary residence but an investment. 

However, I fully informed the mortgage company of this from the start. They said there was a miscommunication becausethey had to change my mortgage processer in the middle for whatever reason. They even admitted their fault. 

However, I still got cancelled and haven't gotten any compensation for any of the financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My prior mortgage servicer is holding my escrow balance for an unacceptably long period of time. 
I refinanced my home and closed at the end of XXXX, XXXX ( the loan that was paid off was account # XXXX serviced by Ally Bank ) and am owed an escrow refund of {$5600.00}. 

On XX/XX/XXXX, I contacted Ally by email and asked " I have not received my escrow balance reimbursement from my loan that was paid off in XXXX Why can you not transfer the funds electronically ( you certainly received prompt payments electronically )? If you can not ( which I find hard to believe ), when and how should I expect to receive these funds? '' They responded : " A request to have the check stopped and another reissued to you has been submitted. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. '' I did not ask for a check to be re-issued and they failed to address my question, they but introduced additional delays. 

I continue to wait for my {$5600.00} since XXXX. I called their service center 2 days ago and was told to continue to wait. I believe this wait for my funds is excessive and would appreciate any intervention into their unacceptable delays and unprofessional practices ( including being evasive and holding owed funds for, literally, months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE CORP Account number XXXX {$1000.00} placed this amount on my credit report without notify me in writing of detailed biling and services provided or the attending dr and dates of service I was not made aware that this was owed I was not notify by mail that bill was owed nor told that I could disputed this bill I would like them to follow the HIPPA GUIDE LINES WITH THIS PROCESS PLS PROVIDE ALL METHODS USED TO VER THAT THIS ACCOUNT BELONGS TO 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 2020-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of fraud and I noticed there were some accounts that don't belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.these are the current accounts that do not belong to me and needs to be deleted-XXXX   XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX   XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX/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 2020-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Received " Annual Escrow Account Disclosure Statement '' from Lakeview Loan Servicing. Over paid account by {$4000.00}. Lakeview refunded this amount by check ( # XXXX dated XX/XX/20 ). Lakeview then stopped payment on check but did not notify me by phone, email or in writing. They have current information for each of these methods. I called Lakeview to complain and learned that they stopped payment, reapplied the funds, and paid {$430.00} of my tax escrow account to a company called XXXX XXXX. I have no affiliation with this company, did not authorize this payment and the amount taken from my tax escrow does not match any bill or invoice ( including any supplemental assessments ) from the tax assessor. 

Repeated attempts to reach the Lakeview escrow account people always routes you to a customer service employee who is not able to assist ... but rather reads from the on line screen that I can see at their website. Spent 2 hours speaking to various " agents '' including XXXX ( employee XXXX in XXXX  XXXX ) and someone only identified as " XXXX '' ( he would not give me his name or employee number ). I was twice put on hold to speak with a supervisor ... no supervisor answered after 2-30 minute attempts. 

I called back and asked to speak with someone in the escrow department. Lakeview, like their sister company XXXX, has a policy of not letting you speak to anyone except the " note takers '' that every " phone tree '' leads you to. Even when the note takers admit they can't help you, they refuse to provide you contact information to reach any person that can assist you with your matter. 

Lakeview blocks their number, so when they call, it appears as spam or nuisance calls. All messages they leave only refer you back to the numbers that only go to the " note takers '' ... who we know can't help you. 

This scam to illegally hold funds is conversion. Their practice of debiting accounts to pay unauthorized venders is fraud. Please take steps to revoke any licenses this company operates under and fine them into bankruptcy. 

In the mean time, please research my escrow account and advise. Next step is to sue this disreputable company.

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 2020-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
An account was opened on XX/XX/2019 that I did not apply for much less recieve a card for to run up a {$3500.00} balance. Ive never heard of XXXX ever until it showed up on my credit report. This is fraud and needs to be removed. I believe my identity was stolen when I moved from my old address. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07 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:
On XX/XX/2020 I provided my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: TN

Complaint narrative:
I enrolled in the FedLoan loan forgiveness program around XXXX. I have worked in universities since before enrolling in the program. I was recently told that only 40 of my payments count towards the forgiveness program. I was told that no payments from XXXX to now count because they put me on deferment. I did not request a deferment and made all monthly payments as they were due. When I asked why, I was told that my account would be reviewed but that it could take a year or more and if discrepancies are found, the review could be put on hold for as long as they deem necessary while it is corrected. At this point, I should have 100-120 qualifying payments, not 40. Waiting a year or more for a review is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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:
On XX/XX/2020 I provided my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report

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 2020-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
The senior loan officer assigned to my refinance leaves much to be desired regarding his professionalism and customer service. When I ask him to give me a call because we are not aligning on a request that he's made where I think it's duplicate because I've furnished everything as he requested, he refuses to call. When I ask to withdraw my loan because I don't feel as Carrington Mortgage wants or values my business, he replies with 'It 's up to you, let me know ', confirming my suspicions. I feel that I have to chase him down to get this loan to close and I've already had my credit pulled and paid for the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, 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 non-monetary relief
Consumer complaint received 2020-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am currently out of the Country and have had my account blocked. Prior to traveling I contacted Chase twice via phone and asked if I needed to notify them that I am traveling and they specifically told me I didn't need to let them know and that I would have to problems. Now that I am in XXXX my account was blocked by their fraud department. I contacted them and they told me that I had to physically go into a Chase Branch and verify personally. I am in a country with no Chase Branch 's so how can I go into a Branch? I have spent literally all day on the phones, have even contacted someone in a Branch back home. He is trying everything but even he is getting blocked. 

This is unsatisfactory to say the least, does this mean that when I travel Internationally I loose access to my funds? I have even sent photo 's of myself holding my passport to the Branch Employee back home and he tried using them but was told that wasn't authorized. 

So as it sits my account is blocked, I am in a 3rd world country and Chase has an impossible requirement to gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: AR

Complaint narrative:
I have made numerous disputes and Method of Verification requests and Equifax Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious XXXX XXXX XXXX. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.

Company response to consumer: Closed with explanation