vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from the XXXX XXXX XXXX stating that I owe XXXX cable amount of XXXX. They stated in the letter Averse credit information will be reported on XX/XX/XXXX. This letter was dated XX/XX/XXXX. 

I contacted XXXX because we we discontinued the service XXXX XXXX. I asked if there was an account opened in my name and they reported no. My husband had the account in his name. his account balance is {$0.00}. They reported that they would never bill a third party for the fees. 

Then on XX/XX/XXXX i received another letter from the same company a reminder notice asking me to pay that debit. this letter is dated XX/XX/XXXX So I believe that this is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I reported couple of unauthorized charges on my account ; XX/XX/XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$8.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$40.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$47.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$11.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX - XXXX TCF Free Checking ( XXXX ) {$5.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$9.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$24.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$2000.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$19.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} and TCF rejected my unauthorized charge claim because they said that there were other charges on the card that were not disputed after the unauthorized charges. I don't understand I reported the card lost and the unauthorized charges as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX Western time, two unauthorized transactions were made on my Chase checking account. One was made in XXXX XXXX, California at XXXX of {$200.00} and the second in the same location, day and time of {$300.00}. Chase Fraud called me at approximately XXXX. I told them I did not make those purchases. They closed my debit card and issued me a new one. The Following day XX/XX/XXXX they issued the credit back to my account. XX/XX/XXXX, in the evening I received a notification of insufficient funds in my account. I immediately called Chase and they stated that they reversed my claim but wouldn't give me a reason as to why. The customer service rep asked me if I put my pin number on the back of my debit card. I denied and she stated she would put that information into the claim and resubmit it. I would get an answer in 3-5 business days. Chase left me with $ XXXX in my account and continued to charge me for having insufficient funds. 6 days later I receive no information on my claim so I call Customer Service once again. They continue to tell me that my claim has been denied because my pin number was used during the transaction. Later that day I headed to the Chase Branch in XXXX XXXX, WA on XX/XX/XXXX. I talked to Personal Banker, XXXX XXXX XXXX. He seemed really surprised and stated that THREE other customers came in the last few days about the same exact issue, with the same exact transactions. It surprised me because this town is extremely small.Their fraud transactions were also made at XXXX in California. 

He continued to call chase fraud department. They didn't seem convinced.He told me that he would try again tomorrow and give me an update then. Two days later I get an update and he states that he called five different departments, and they still denied my claim, and added that one of the people he talked to would add more details about my case to the system. He advises that I call Chase Claims and see if they will reopen my case with the new details that were added. I immediately called and they stated they will not reopen my case unless I have proof of my exact location the time of the transactions. I thought that me living in two completely different states would be enough but I guess not. I also used my debit card at XXXX that same day of the fraud transaction ( XX/XX/XXXX ) at a DMV in XXXX , Washington . It clearly shows on my bank account but they still refuse to give my money back. Also my last name was changed during this process due to the fact that I'm married and my maiden name was on my previous debit card. It changed from XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03 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: Nelnet, Inc.
State: CA

Complaint narrative:
- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX  credit report in error. 

I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. 

The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. 

The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. 

Please register my complaint and contact me. 


Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: 77 Elite
State: NJ

Complaint narrative:
XX/XX/2018 XXXX XXXX with 77 Elite I think that they maybe fraudulent companies. I have been paying them {$200.00} monthly. Im scared because the paperwork I signed stated limited power of attorney. 

Then XXXX called me and send Im overdue for federal school loan payment. 

I said no Im paying it ; they said you should file a police report. 

So please tell me if XXXX XXXX and 77elite a fraudulent companies?

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 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I closed my Capital One secured credit card account on XX/XX/2018, ( account # XXXX ) after submitting {$110.00}, which XXXX  out my secured credit line/funds at {$750.00}. I was notified by Capital One a month later with a letter dated XX/XX/2018 of my closing my account ( about 30 days ). Then I received a bank statement dated sometime around mid-XXXX ( there's no date on the statement ), that says a security deposit was " applied '' and I have a {$0.00} balance! 

So, it seems that Capital One has stolen my {$750.00} from my " account '' for reasons that I'm not aware of ( there are no automatic withdrawals associated with the account ). I haven't received any of my money as of this writing on XX/XX/2018. 

When I closed my account I read of a plethora of problems of Capital One not refunding people 's secured credit card money, so I am writing to you in the hopes that I can recoup the money that's mine. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I made a payment from XXXX XXXX XXXX disbursements back to the loan, which was issued on XX/XX/2018. I made this payment, as it was more than what I actually needed of the loan, and as I have discussed many times with Nelnet, my loan service provider, when we make a payment within 120 days of the disbursement of a loan, we would like it to be applied to principal only, as is our right. They did not apply this payment to principal only, but to principal and interest as they are wont to do, and do every time with every loan. I have been repeatedly told by Nelnet that they have it in my notes, and will make sure that this doesn't  happen again, but every time a new loan is dispersed, I have to go through this again, and contact you again. I believe that this is a predatory loan practice, and basically a scam to make even more money off the backs of students.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My loan was recently sold from XXXX to Dovenmuehle. In this transfer my first statement from Dovenmuehle states that I owe {$260.00} for a property inspection fee on XX/XX/2018. My loan was transferred on XX/XX/2018 and there has been no property inspection, nor should there have been due to the RESPA protection. Dovenmuehle repeatedly indicates that it was from the previous provider XXXX. In no statements or documents from XXXX is that fee listed anywhere. Dovenmuehle will not remove this fee and they keep insisting it is from past mortgage providers even though there is no record of this. I have asked them repeatedly to remove it and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi checking account under advertised terms and under a promotion which was not honored.

Earn {$600.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements - Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days XX/XX/18 - Citi accounts opened online XX/XX/18 - {$50000.00} deposited to checking and {$150.00} to savings XX/XX/18 - Requirements met XX/XX/18 - Confirmed via Citi chat that requirements met. OK to move funds out. 

XX/XX/18 - {$40000.00} transferred out of Savings XX/XX/18 - Bonus should have posted per Citi 's terms XX/XX/18 - Confirmed via phone that promotion have been met. Case opened for " back office '' to investigate. Investigation reference number : XXXX. Need 2-3 days to confirm and post bonus XX/XX/18 - No updates on investigation

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 2018-10-04 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: Nelnet, Inc.
State: CA

Complaint narrative:
- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have tried to work with Ditech, From XX/XX/2018 we have submitted documents to Ditech, we submitted requested documents. Then on XX/XX/2018 we received a letter stating that information was received and we had to wait 30 days for a response. 

Then we were notified that the loan was transferred to another servicer. We waited and then when we tried to communicate with the new servicer they had none of the information concerning our loan. 

Again on a letter dated XXXX XXXX again we received a Notice of Sale of Ownership of Mortgage Loan, but on XX/XX/2018 Ditech accepted a mortgage payment in the amount of {$2300.00} with a conformation number of:XXXX. 

We have a notice of Servicing Transfer dated XX/XX/2018 to XXXX XXXX with no new loan number and they do not have the complete file from Ditech and we have a sale date for XX/XX/2018 @ XXXX. 

What happens to all of the documents that were submitted to Ditech in XXXX, XXXX, XX/XX/2018? Why do we have a sale date when they accepted a mortgage payment from us? 
Please help us with this impossible situation. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Accel Loans, LLC
State: MO

Complaint narrative:
I applied for payday loan with XXXX XXXX XXXX, agreement has XXXX credit with finance charge of XXXX total of payments {$210.00}, with equal weekly electronic payments of {$12.00} to start on XX/XX/XXXX and final payment of XXXX on XX/XX/2018. However only 8 payments were withdrawn and then stopped and resumed on XX/XX/2018. There was an additional interest charge of {$47.00} added not related to NSF or late fees. On XX/XX/2018 when I went to XXXX XXXX XXXX office and they stated that I failed to make payments and they sent email related on non payment. I did not however receive any emails, phone calls, or letters related to this matter. They also said no payments for 35 days, offered no explanation and declined to give a refund, stating that it was my fault for not making scheduled payment. Clearly the issue was on there side but they failed to take fault. I even spoke to my bank representative and was no attempt from XXXX XXXX XXXX for payments between XX/XX/2018 and XX/XX/2018. Loan company did not abide by terms of contract with scheduled electronic payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
If you think that American Express will help you when a business cheats, think again. I had an Amex card for decades but when I had a problem with a car rental overcharge earlier this year it was the merchant that Amex supported. The company was XXXX in XXXX. I had a confirmed reservation with a price of {$180.00}. That price included, itemized {$65.00} in fees and taxes. When I returned the car the XXXX agent claimed there was accident damage. That was not true and what he referred to was a loose panel under the front bumper. It was noted on the inspection slip when picking the car up. When the statement arrived XXXX had charged {$370.00}. I filed a dispute with Amex. Then contacted XXXX and XXXX claimed the additional was for fees and taxes. When I pointed out that of the original {$180.00} {$65.00} was already added for fees and taxes and that it would be absurd for a rental charge of {$110.00} to have fees and taxes totaling {$260.00}. This went back and forth over several months and Amex just supported XXXX. I decided it was simply not worth more of my time and gave up, but not before closing out my American Express account. All the details are posted at : http : XXXX XXXX XXXX XXXX   XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Quicken Loans Inc. defalcated on a loan dated XXXX of 2016 in which they sent falsified documents to HUD in order to close an unaffordable loan that has caused me to go into default. They used wrong information to get the loan certified and insured by shoveling the numbers. Though nothing changed as to my income, interest, property taxes and insurance, or the PMI on an FHA loan, the mortgage payments went up from a barely affordable amount that I did not have a hard time paying to an amount that added up to more than 50-percent of my income and I am on a fixed income. It turned out that they used someone else 's property taxes and not mine at origination in order to make the loan appear affordable when they knew it was not at the time. It was a clear RESPA VIOLATION and a violation of the TRUTH IN LENDING ACT in order to falsify the loan as affordable. The intent -as with all others- was to foreclose on my home within one to two years and walk away with the insurance, my home, and the equity in my home. I tried to get them to fix their error by changing the loan to a conventional uninsured so the payments could be affordable again, but they said they would only do so if I would pay them {$3800.00} in " unearned '' pre-closing fees. It's all on record. Quicken is in a current settlement status with the Department of Justice for making many of these types of bad predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian after seeing that a collection was placed back on my credit file after it was removed due to it being inaccurate. They informed me that sometimes their website removes accounts then place them back when updating. i told the rep not after 60 days there is no way you delete an account and place it back, then he agreed with me. He then said he couldn't think of any other reason this would happen and that he did see that it was deleted but he could not give me a copy of that deletion The rep then said that I could dispute the account again if I wanted to. I then disputed the account again letting them know that they reinserted a account that was once removed due to my disputing the account as inaccurate. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
I contacted them by email to stop ACH and they said they couldn't without a different payment source. The interest rate is over 400 % and they won't let me set up arrangements.

Company response to consumer: Closed with explanation