vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: KS

Complaint narrative:
I received XXXX from the XXXX for student loan forgiveness. Fedloan Servicing agreed to apply the amount to my loans and set it up so that I would not have to pay again for 4 years. I have made numerous calls to them and they tell me everytime that it is fixed but they still show my account as in forbearance and I can not see where the money was applied on the website. I have emailed them as well but they do not respond. I am now trying to purchase a home but this is causing an issue now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XX/XX/XXXX, I 've used a Kohl 's credit card with all payments made promptly until XX/XX/XXXX. In XX/XX/XXXX, I changed my billing method from " paper '' to " electronic '' billing and in XX/XX/XXXX, Kohl 's called stating I neglected to pay them for the months of XX/XX/XXXX and XX/XX/XXXX, so I immediately sent in the full amount owed. I discovered that when I switched from " paper '' to " electronic '' billing, the Kohl 's bill went to my " spam '' email folder without my knowledge. Meanwhile, we were busy preparing our home for sale, and I lost track of the fact that my Kohl 's bill was delinquent. I subsequently sold my home and have an offer on a new home that we can not purchase because XXXX XXXX reported the missed payment exceeding 30 days to the credit bureaus. I reached out to Kohl 's Corporation Executive XXXX XXXX on Friday, XX/XX/XXXX, and a representative from her office, XXXX XXXX, contacted me XX/XX/XXXX. I requested a letter to be faxed to my mortgage broker to include the following information : 1. The customer is current on the account. 
2. The customer 's credit status is : " payed-as-agreed '' with the " late fee '' designation removed. 

The letter she faxed did not contain the requested information, and so I contacted and she reluctantly agreed to a conference call to include I and my mortgage broker on Wednesday, XX/XX/XXXX between XXXX- XXXX Pacific time. We called her at XXXX, left a message and, thirty minutes later called again, and there was no answer to either call, nor were my subsequent voice messages returned. It is now, Friday, XX/XX/XXXX, and we will lose the house we placed an offer on because we can not qualify for the new home loan until Kohl 's responds to our request. 

While I respect the right of the Kohl 's Corporation to collect debt, I have been a card holder since XX/XX/XXXX with no late payments and I believe a " courtesy '' call was appropriate before Kohl 's reported it to the credit bureaus. The late payment is my responsibility, but it was due solely to the electronic bill notification going to my " spam '' folder. This was my single missed payment in 7 years, resulting from an unforeseen computer glitch and now I must explain to my family that it results from a department store acting like a bully that we will be homeless in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
In 2010 I had financial trouble and asked for a refinance for lower payments, which they did but I had to sign a lien against my house for over XXXX dollars which is due when my house is paid off. Only XXXX actually went towards my home. The other XXXX the bank PNC Mortgage kept for themselves, I 'm assuming for the fees they charge. I have always been bitter about this and just recently learned about CFPB. Maybe someone can look into what they did and see if it was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX queen-sized mattress from Macy 's in the XXXX in XXXX, VA for {$1500.00}. This purchase was part of a special promotion that was interest-free for 24 months. However, in my XX/XX/XXXX statement, Macy 's charged me {$31.00} in interest. I contacted Macy 's consumer line ( XXXX ) to bring this to their attention, and was informed that this was an error and that it would be corrected and the {$31.00} would be credited to my account. I received a letter from Macy 's dated XX/XX/XXXX also noting this. 

Unfortunately, when I received the statement for the XX/XX/XXXX payment, I noticed that not only had the {$31.00} not been credited, but I was still being charged interest, this time in the amount of {$28.00}. On XX/XX/XXXX, I again contacted Macy 's on the phone and was told that this would be corrected. I spoke with " XXXX '' ( id # XXXX ) and was again assured that the wrongly charged interest, now in the amount of {$60.00}, would be credited to my account and that interest would no longer be charged. 

I am now contacting you in the hope that you can help with this matter, and I do not have confidence in Macy 's accurately fixing my account and refunding me the money it has erroneously charged 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 monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LendKey Technologies, Inc.
State: NY

Complaint narrative:
I paid my loan on XX/XX/XXXX, and received confirmation. My loan servicing has now been transferred from XXXX XXXX XXXX XXXX to XXXX to Lendkey, and Lendkey is saying I have not made a payment yet and that it is overdue ( although this information should have been carried from XXXX ). I would like to know why my payment is not reflected in this new account. I would also like to receive verification of this debt now that it is with a new servicer, including the signed promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: NY

Complaint narrative:
I have an FHA loan with Pacific Union Financial. Before I closed on the loan I attended mandatory HUD counseling at which they told me that after my taxes are paid then I should demand a refund of the tax overpayment. I did that in XXXX and was given a refund of the overpayment in taxes on XXXX/17. Recently my taxes were again paid and I have an overage of greater than {$5000.00}. The bank is refusing to give that money back to me as per HUD guidelines and say they want to hold onto the funds until the end of the year for no reason than because it is a new loan ( which it is not ). I am requesting assistance in getting my money back from this bank. I am concerned that the funds are being misused and that is the reason why they are refusing to give me back the excess taxes I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: PA

Complaint narrative:
The debt amount is wrong, the original creditor was supposed to fix total amount owed, never received letters or phone communications from said creditor. Debt has been placed on my credit report more than once and is continuing to hurt my credit score with each new cancellation and reapplication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Several checks were issued from XXXX for possible claims reimbursement or some type of distribution of money. These checks were signed by another person and my signature was forged on others and the checks were cashed. After speaking with XXXX, they said it was Chase 's job to create an audit/test the process from the check cashing. Chase also released my personal information after it was changed to another party causing further distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: National Asset Direct, Inc.
State: NJ

Complaint narrative:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The credit agency XXXX XXXX XXXX after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. 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 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have been trying to understand the terms of my student loans from graduate school. The loan originated with XXXX. It was purchased by another bank, then XXXX XXXX and now Navient. When I looked at my account, the interest rate remains the same but now the end date is XX/XX/2032. I attempted to call the XXXX XXXX XXXX and before that this morning I called Navient directly. For both calls I was unable to reach a manager and was informed the agent is offshore in the XXXX. No one can tell me the details of my service loan and it has been purchased many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I 've contacted transunion on several occasions and faxed police reports and FTC Identity theft report to them as well and they have n't removed the fraudulent inquiries yet!

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 2017-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Associated Bank 's excessive practice of freezing customers ' checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I " leased '' a vehicle from BMW XXXX under the owner 's choice option. They told me that I would be able to get out of it if I received XXXX location and they equated it to a lease, but a better option for tax purposes. Now that I have said orders, they are telling me that the SCRA does not apply since the vehicle is not a true lease, but a " blue loan. '' This program is bad for military members in Texas and, I believe, is being used to circumvent the SCRA by trapping military members in a contract that is sold as a lease, but is not a lease. This is a financial burden on my family and is an additional stressor as I prepare to leave my home for a year. BMW XXXX offered to buy back the car, however I would take a {$5000.00} loss. They also offered to take both my, and my wife 's car, in exchange for a new lease, but they would roll negative equity into the lease and I would again take a {$5000.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Was looking to getting a car. XXXX ran my credit through their banks, when I was told it would only be ran through them. I ended up with 6 inquiries from that transaction. I have spoken to both experian and XXXX and they have said the other entity would have to delete it. The following are the accounts in question : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I owed Capital One {$290.00} in XX/XX/2015 & I paid it in full before the XX/XX/2015 deadline. I had sent a letter to Capital One previously that I was no longer using their credit card & CapOne responded by sending me a letter saying my card had been suspended, so cut it up. I then went on vacation & when I returned I had received an item that I had not ordered from XXXX, who said that Capital One had allowed a charge to my credit card, after denying the same charge 16 times, I now owed Capital One {$77.00}. I immediately sent {$77.00} to Capital One. Both of my checks for {$290.00} & {$77.00} cleared my bank, but Capital One refuses to credit these payments. Capital One has reported me to the credit agencies & sent 2 collection agencies after me, XXXX XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a HUD reverse mortgage. 
I have a negative balance of {$4900.00} to which I am paying {$89.00} per month. I am current in my payments. 
I had a fire to my home. The insurance has paid {$200000.00} which was submitted to Wells Fargo in XXXX. Wells Fargo is holding {$190000.00} and has released {$10000.00} on the condition that they will not release any further funds until the home is 50 % repaired. It is impossible for me to repair {$100000.00} worth of damage with {$10000.00}. Wells Fargo is stating this is HUD 's policy. Therefore I am unable to repair my home and Wells Fargo has not provided any solution while holding {$190000.00}. I have complied with every request from Wells Fargo and was advised that they were releasing {$49000.00}. It has been almost 4 months and I still can not begin repairs to my home because Wells Fargo is holding the funds.

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 2017-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure. 
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property. 
Offered {$8900.00} move allotment which they received, but did not stand behind

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me XXXX to a debt that I did not create. I need assistance immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed XXXX with Transunion yet they continue to " verify '' that the information is correct. I have disputed the company one time already with CFPB yet they did not reply so I 'm wondering how could Transunion get verification if CFPB could not. This company in question is a payday loan and in my state of NC I have found that they are illegal. So I am requesting the steps of verification that Transunion took and I am requesting that the company provide proof that there is a contract and that the contract is legal since I have found that payday loans are illegal in the state of North Carolina.

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 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My mortgage refinancing application was erroneously withdrawn by Citibank. They are alleging that I have not submitted the required paperwork on time. To date, I have not received a satisfactory detailed answer of which document was late beyond the general answer that my loan application has taken so long. They issued a new loan application with different rates, to ask for the exactly same documents, at a higher cost.

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 2017-04-12 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I was treated with disrespect at the bank in XXXX waited 30 min while teller was on the phone about my drivers lecense. Was not told WHY i was waiting? When i told the teller i was late for work he rudely put his hand up in my face to shut me up. Finally he was told to cash my chk and was done being obnoxiouse and RUDE. IN A SMART ALLEC way he tells me " thank you for your NOT patience!!! Because of his rudeness i will NEVER visit that establishment again. This teller needs to be addressed ... my mother has banked there for years and will be switching banks because of this ONE TELLER!

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 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: LA

Complaint narrative:
My credit report was pulled by an Assurance Financial representative without my consent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account number XXXX is the same as XXXX XXXX. This is a duplicate account and was paid in full to XXXX.

Company response to consumer: Closed with explanation