vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to dietitian XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Wednesday, XX/XX/2018 I originally agreed to pre-pay for 3 months/8 visits of dietitian service including blood work and stool tests for a total of {$1500.00}. I have that amount in writing, initialed by Ms. XXXX. My credit limit on the Care Credit card I was going to use was {$1300.00} so I agreed for Ms. XXXX to request a higher credit limit at the office. When my credit limit was raised to {$4000.00}, she decided without notifying me to bill me for {$3000.00}. I was sick and under duress when I signed the agreement, I had never agreed to that amount. She and her office manager intimidated me to the point where I did not have a chance to review what I was signing. I stopped working with the dietitian after the first month but was still billed for services that were not rendered as well as an additional amount of {$1400.00} beyond that agreement. I believe this to be fraud. Once she received the money from Care Credit, she went out of town for 3 weeks and was not available to assist me. I am also filing a separate HIPAA violation as the dietitian released HIPAA protected information to the credit card company as well. I believe she released this personal information to Care Credit in order to damage my reputation. The Care Credit card company will not refund any money even after I filed 2 disputes. After I filed the dispute, XXXX XXXX created a new invoice she calculated to justify the exorbitant charge. The dietitian is using a bait and switch tactic, I believe this is a scam. The dietitian did not render services according to our agreement of {$1500.00}, at minimum I would like to be refunded the additional amount I was over charged, {$1400.00}, and ideally, I would also like to be refunded the amount that I pre-paid for services not rendered in the amount of {$420.00}. The legitimate amount of money owed for services rendered is {$1100.00}. I would like my money to be refunded. Care Credit is now holding me responsible for {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Citi whom I have been a customer with them for years and I have my own account and I have also been a AU on another Citi card which I make all the payments for. Citi denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX and XXXX XXXX XXXXs as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Citi said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Since Experian collects all our financial information, and since Experian is unable to protect our data, I've put a credit freeze on my account. Experian makes it IMPOSSIBLE to work with that freeze. There is NO WAY to talk to a human about unfreezing your account. When going through their phone service, even the number sent out telling people they can freeze/unfreeze their accounts, there are only two options Get credit report/report an issue. Then they hang up on you. 

You have to spend time doing a web search to find the correct web address to get to an unfreeze page. When you go through the page you end up being told to MAIL THEM THE UNFREEZE REQUEST. 

Imagine trying to get credit. 'Sorry, I have to go home and write a letter to Experian , estimate how long the letter will take to arrive, then come back here in that open window to apply for credit. ' If they worked the same way with banks they would be out of business within a few months. 

If a credit company is unable to 1 ) protect our data, and 2 ) unable to work in a modern world, they SHOULD BE SHUT DOWN. 

XXXX, I have to make THIS SAME COMPLAINT every two years. Why is Experian still allowed to operate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
Back in the late XXXX 's, I had to file for Chapter XXXX and Chapter XXXX bankruptcy. 
Relief from my student loan obligations was denied. I was later contacted by ECMC and told that I had 3 days to pay off my $ XXXX balance that was in default or the amount would double. I had no money at the time and no resources to pay off the balance. How can the law allow any entity to do this? If I just filed for bankruptcy, and couldn't afford a single payment, it is evident that I could not pay off a balance of $ XXXX in 3 days! I did some research and reached out to XXXX  XXXX. They had a program that would allow me to consolidate my student loans providing I was able to make 3 consecutive monthly payments first. I was able to pull the money together and XXXX XXXX consolidated my loans with ECMC. What I didn't know at the time is that ECMC had increased my $ XXXX balance to $ XXXX and THEN sold them to XXXX XXXX. I have since paid over $ 120K ( over $ 600/month for over 17 years ). I still have an outstanding balance of $ XXXX. That's over $ 260K for $ XXXX of student loans! I believe that I have more than met my commitment in repaying the $ XXXX and I'm requesting assistance going after ECMC for doubling my initial loan amount ... ..which would be paid off by now. I further believe that ECMC has been allowed to engage in a VERY predatory practice. I can provide documentation upon request. Thank You for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
In XX/XX/2018, i submitted a request to have my escrow account removed. on XX/XX/2018, my servicer, Home Point Financial sent me a secure email stating that my account met all the qualification to have the escrows removed and to allow 30 days to process. which would be at the end of XXXX. I called them XX/XX/XXXX and the CR told me that the request would be escalated to a supervisor and to call back Friday, XX/XX/XXXX. I call them back today, now they are stating that I have to resubmit my request because my 24th payment was processed in XXXX, which no one at this company told me. I spoke to the Compliance department back in XXXX about this and they told me that after my XXXX payment I can request the escrow removed. 

I followed their directions and all this company has done is give inaccurate and misleading information. They have not provide me with any assistance or response, other than that I have to resubmit my request. They lied about their own process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: SC

Complaint narrative:
My debt went into collections for a vehicle I willfully returned. I have been trying to contact XXXX XXXX XXXX to try to settle the account and clear it up but those attempts have been unsuccessful. I have called my original debtor, XXXX XXXX, and they said they no longer hold my acct and I need to contact XXXX. XXXX provided me with two phone numbers, ( XXXX ) XXXX and ( XXXX ) XXXX. I have tried numerous times and neither number is working. I also tried emailing them via their website and no response to that either. I XXXX   them and they seem to be caught up in some legal issue for running a ponzi scheme or something like that. How can I clear up an account and I can not get in contact with the debt collector. 
I do not have any documentation that I have ever received from them. 
Please advise what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC
State: DC

Complaint narrative:
I signed up for a payday loan. I fell on financial hardships and needed some money to help pay off some of my credit card debt. I found out that the company took out the payment today. I have recently lost my job. I called to scheduled a payment plan and they told me they are unable to do so since my account has already been processed for reoccurring payments. My account is now in the negative and my bank will not reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I had recently heard that switching to a bi-weekly mortgage payment can help cut down interest on your mortgage by adding an additional payment each year. The earlier smaller payments would help reduce the amount of interest accruing as well if its not held until the original due date. 

I contacted PennyMac to change my mortgage payment to a bi-weekly payment. I was told I would have to pay my entire months mortgage up front before they would allow me to swap to a bi-weekly payment system. I payed my mortgage 15 days early and wanted my bi-weekly payments to go into effect starting on the XX/XX/XXXX for the upcoming month. I asked the agent specifically if the payments would be effective immediately or if they would be held in an account. I was told they would be effective from the time of payment and would not be held in an account. 

A few weeks later, I am reviewing my payments and see that my first bi-weekly payment has not been applied to any principal or interest. I contact PennyMac again on XX/XX/XXXX and I am told that the payments will be held until the total sum of the bi-weekly payments is equal to the total mortgage payment. I am also told that if I want to cancel bi-weekly payments I will need to pay the full months mortgage in advance again. 

That has put considerable financial hardship on myself and my family. I am simply trying to be a responsible consumer and pay back my debt in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
In XX/XX/XXXX my identity was compromised and as a result I called all the banks and companies that I had credit cards with. Everyone was helpful in closing, freezing, or changing accounts except for XXXX XXXX XXXX. When I called them in XX/XX/XXXX to inform them of the problem to ask them to cancel the cards - they would not do so and did not cancel them. Nor did the person escalate my call to the security department or refer to me to a website where I could file a formal written complaint. After this I logged into the XXXX XXXX XXXX website to see if I could find how to report the problem. I saw no alerts to set up and under my profile in the section of income was listed {$100000.00}. I have never made a 6 figure salary and do not know how this got changed? I changed the salary amount to what was correct for me. That lowered the credit limit on the cards. For 2 1/2 years I paid on a mount that would not go down - about {$600.00} per month totals to about {$14000.00} ( rough estimate ). This does not include what I had paid prior to XX/XX/XXXX. The amount on the statement never changed and in fact towards the end started to go up. I called XXXX XXXX XXXX several times trying to figure out what was going on and got very little help. One time the person even told me not to worry, " because you can't take it with you. '' I ran out of money trying to pay this amount off in XX/XX/XXXX ( my savings was gone ). 

After I stopped paying I received notices and a notice about a charge off. I tried calling the numbers they said to call and never could get through to anywhere to leave a message or talk to a person. Then in XX/XX/XXXX/XX/XX/XXXX received a notice that a civil suit had been filed against me by XXXX  XXXX XXXX I picked up the suit and hired a lawyer. The law firm representing XXXX XXXX XXXX is a local firm here in Georgia. With my lawyer we filled out the papers and answered the questions and sent them to the firm representing XXXX XXXX XXXX. Per my lawyer, no reply from the law firm was ever received. So XXXX  of this year ( XXXX ) my lawyer asked to be released from the case. I had said that I had prove of payments in of bank statements showing that payments had been sent. 

As of XX/XX/XXXX ; the local law firm representing XXXX XXXX XXXX has filed a request for this case to appear in court without a Jury in XX/XX/XXXX. My lawyer 's withdrawal request was approved on XX/XX/XXXX So as of now I have no legal counsel. 

Because I do not have legal counsel now, I thought perhaps filing this with the CFPB might help bring about new insights and closure to this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
I currently have a traditional 30 year mortgage with US Bank Home Mortgage. My property taxes were due to the Washington DC on XX/XX/XXXX.  US Bank has been escrowing the taxes. They had the wrong Lot number associated with my property. I provided them with the correct lot # and a copy of the DC Real Property Tax Bill on XX/XX/2018, well in advance of when the tax bill was due. They still have not paid the property taxes and have not resolved the issue. My taxes are now late. The customer service tax department is particularly unhelpful. They are now telling me that they won't have this resolved until XX/XX/XXXX ( after I was told it would be resolved by XX/XX/XXXX ). Please advise what can be done. 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 2018-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is not taking into account all the payments and positive standing on my account and still showing a low fica score unlike XXXX  which is showing a positive increase in fica score and payment updates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates acquired my XXXX XXXX credit card account that unfortunately went into collections for non-payment. The balance owed was approximately {$2300.00}. 

On XX/XX/18, I called PRA to inquire about settlement options to resolve the matter as soon as possible. I was able to negotiate a reduced balance of {$1300.00}. On that day, I made a payment with my debit card in the amount of {$600.00}. The representative that I spoke with stated that I could pay the remaining balance in 6 monthly installments of {$120.00} each. I advised that I would submit payments via check because 1. ) I was already previously the victim of identity theft and 2. ) The card that I made the payment with over the phone was damaged and I was in the process of replacing it. 

Approximately one week later, I started receiving notices via mail from PRA stating that the card that I specifically DID NOT give authorization to establish an installment plan on would be charged {$120.00} for six monthly installments. 

On several occasions, I called PRA to advise that I didn't grant permission to charge THAT card any more than the {$600.00} paid XX/XX/18 and called my financial institution to block any PRA pre-authorizations on that card. In the meantime, not once was I late or missed a payment since the installment plan was established. As a matter of fact, I mailed a check each week in the amount of {$32.00} beginning XX/XX/18 to PRA which totaled {$120.00} per month ( more than the agreed upon installment plan ). Please see the supporting documentation. 

On XX/XX/18, I called in to submit a final payment of {$160.00} to finally settle the collection account only to be told that my balance was {$1000.00} because according to them, I violated the terms of the settlement agreement. 

I am of the belief that PRA reneged on their offer and I would like to have a third party intervene and come to an objective agreement so that I can finally resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I reported a {$600.00} charge originally placed on my card XX/XX/XXXX as fraudulent back in XXXX. Chase Card Services removed the charge, cancelled my card, and issued me a new one. Later, they re-posted the {$600.00} to my account saying it was not fraudulent because there was a tracking number associated with the charge. I looked up the tracking number they gave me and realized it was an unsolicited piece of certified mail which I had received and signed for because I was curious what someone had paid to send to me. It was a normal piece of printer paper with a black and white picture of a tiger ( I took a picture of it but recycled it because it didn't seem important ). The certified mail had a return address in XXXX and said " XXXX  XXXX, XXXX '' but the tracking number indicated it was sent from XXXX, Arizona. I XXXX the XXXX address and it was an apartment building. XXXX XXXX XXXX does not appear to be a real company. The charge was through XXXX to someone named XXXX. XXXX doesn't have contact information for this person. Chase gave me an email address of XXXX. This does not appear to be a real person. USPS doesn't have sender information. I appealed the appeal to Chase and they continue to hold me liable for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I owe money and I asked if we can do a payment plan and they said no they wanted XXXX or XXXX by the next day no questions ask. I explained I have a budget and I cant afford that amount. I told them I ll do what I am offering a payment plan of XXXX a month they said no. I specified to them I work from XXXX to XXXX XXXX I am XXXX XXXX XXXX and cant have calls at work and they said the calls will continue. On top of that they yell and speak to me demanding and bullying me. The name of the collection agency is Receivables performance

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