vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
I just recently received a notice from the FTC ( Federal Trade Commission ), dated XX/XX/XXXX, notifying me that AmeriTech Financial, a company that I used with the intention of getting a lower monthly payment on my loan, is being sued by the FTC for deceitful tactics. 

I am filing a complaint in regards to being a victim to these deceitful tactics that they are being accused of practicing. When AmeriTech Financial first reached out to me, they told me that, with the help of an act created by President Obama, I would be eligible for a $ 20 monthly payment for the life of the loan until it was forgiven, as long as I first made five monthly payments of {$160.00}, starting on XX/XX/XXXX and ending on XX/XX/XXXX. The way they worded it made it seem like these first five payments were going toward my loan and then my lower payments would be kicking in. AmeriTech failed to inform me, and other consumers, that the services they were charging for are things that can be done for free with the help of the Department of Education. What it boils down to is that AmeriTech used shady, deceitful tactics to make it appear that they were helping me, where in turn they were actually taking {$840.00} from me for a service that they knew was offered for free by a government program. 

After receiving the notice from the FTC, I reached out to AmeriTech on the phone to inquire about a refund, only to be hung up on twice in a row. This is just another example of what kind of company AmeriTech Financial is. 

I hope people see this and use their due diligence when choosing a company to work with -- I learned my lesson and I hope others learn from my experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I bought concert tickets for {$360.00} using chase quick pay and XXXX, it was a scam but neither Chase or XXXX will give me any refund or do anything about it to prevent this person from continuing to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter from Midland Funding stating I owe about XXXX dollars. I called them to see if we can work something out if anything since it said I have till the XX/XX/XXXX to respond. I spoke to a representative stating they cant do anything for me as the debt is under investigation. I asked to speak to a manager and they transferred me to XXXX XXXX and gave me the run around and told me to call tomorrow. I tried to settle so theyd leave me alone but it seems they want to use scare tactics to get me to pay a full amount for a debt I alledgly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Late XX/XX/XXXX, my balance went over the credit limit. I specifically checked on the account page that I never wanted to be overdrafted so do not approve any purchases that overdraft my account. They did it any way, which is causing me score drop on credit report, as well as paying more interest due to having a higher balance. I spoke with customer service and she validated that she could see where I checked for no overdraft. Said I would have to file a dispute. It was their fault. It was capital one and now Im overdrawn XXXX. Although it was their mistake they wont do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Account of XXXX was delete from the credit report in XX/XX/XXXX and re appears in XX/XX/XXXX. 

I dont recognized the Inuiries of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/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 2018-07-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I am pre-approved with my lender. When inquiring about a new home builds ... the agent stated that i should try to use one of the " Preferred Lenders ''. For more closing cost being covered by the builder. Which struck me as a little strange so i starting asking questions. The policy of XXXX XXXX - XXXX XXXX Texas is as follows ... ..when ever an agent gets a lead from a builder open house or their XXXX lead department they are required to have them use a preferred lender or they agents are penalized in their commissions. Unless they get a letter of denial from that " Preferred Lender ''. I was also told that the " Preferred Lenders '' pay a DESK FEE ( about {$7000.00} per person ) ; yet i only saw one with a desk. That each lender gets a specific rotating week where all leads are given to that lender during their specific week. I found this a bit conflict of interest ( at least in my eyes ) and it seemed a bit of being forced to use a lender i never heard about before. Not sure if this is against any banking laws ... but thought i should report it any way.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
It is an Illegitimate Debt, incorrect and false report on my credit file.

XX/XX/XXXX send letter requesting more info about their report and the investigation.

XX/XX/XXXX re-resent previous letter, due to a non response XX/XX/XXXX sent a new letter requesting investigate and send me the results ( response received XX/XX/XXXX ; but, failed to give consumer required notices and disclosures under the FDCPA. Response was unethical and disrespectful ) XX/XX/XXXX send letter notifying that, they failed to investigate their entry ; provide consumer info, and disclosure of documents, and that after more than 30 days constitute to promptly drop this info according to Section 611 ( a ). ( Response on XX/XX/XXXX, stating they have reviewed the dispute and verified and it is accurate. Fail to provide me with the information, documents, disclosures ) As of now, I don't know this alledge debt to whom belongs, when was opened, what was it, where was opened, as per request on my correspondence.

Attached Letters Attached Report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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:
XXXX XXXX XXXX  credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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:
XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid my mortgage off in XX/XX/XXXX in the amount of {$250.00} with Bank of America. When I did my payoff, they told me that I owed for Home Owner Association ( HOA ) dues in amount of {$2300.00} which I was not aware of, so I started to make payments in the amount of {$62.00} bi- monthly and they are still showing that I owe {$4200.00} as of XX/XX/XXXX. Attached is a fax from XX/XX/XXXX showing that my HOA dues were paid by BOA with a wire in the amount of {$2600.00}. When my house was paid off, I was sent a check for the escrow, so there should not have been any payments taken out after that. When I paid off my house, I was told by the escalation employee ( XXXX ) that I had to leave a dollar in in the mortgage account, so I left the dollar on XX/XX/XXXX and I made one final payment to pay off the HOA in the total amount of {$1000.00} which I paid on XX/XX/XXXX as requested by BOA. I was talking to my HOA when BOA intervened and made the situation much more financially burdensome. The HOA was willing to negotiate with me and I was not aware that BOA had paid the fees until I came in to payoff my mortgage loan. This has impacted my credit score negatively. I have tried to work with Bank of America since XX/XX/XXXX and have not have any success. In the meantime, they are still paying my taxes, which should be coming to me since XX/XX/XXXX. I have repeatedly asked them to stop paying my taxes and I can not get anyone to listen to what I need..

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
Status of closed account by XXXX XXXX Card is being re aged. Received an alert from XXXX XXXX under XXXX that as of XX/XX/XXXX the card was closed when it was previously reported as closed in XX/XX/XXXX. They are also showing twice on credit reports with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: LA

Complaint narrative:
I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the Experian major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.

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 2018-07-03 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: IL

Complaint narrative:
I HAVE SENT IN FRAUD INFORMATION TO EQUIFAX AND XXXX CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On my WellsFargo Bank Credit Account there was a Promotion that recently came to an Expiration on XX/XX/XXXX. I paid everything down to a last statement balance of {$450.00} prior to my promotion Expiring ; yet, couldnt fulfill the contractual obligation because I was in the hospital seeking treatment for my terminal related illness. On XX/XX/XXXX I called in to the WellsFargo Bank Customer Service Center and Spoke to a Manager hoping that they would recoginze my due diligency with making payments on time and sympathize with me regarding my illness. I asked if it was possible to pay off the last statement balance of {$450.00} that was owed in order to Avoid the DI Charge in the amount of {$250.00} but to my dismay The WellsFargo Account Manager stated there was no help that could be offered, even if I was in the Hospital during the time the Promotion Expired which prevented me from paying it off by the Promotional Exp Date. Later, on XX/XX/XXXX decided to call in once more in order to ensure there was no financial relief that could be offered and again a different Account Manager stated there was nothing that could be negotiated to pay off the Principal in order to avoid the Deffered Interest Charge.

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 2018-07-03 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: GREAT LAKES
State: MI

Complaint narrative:
My loan servicer is Great Lakes Loan Servicing. Upon timely applying for renewal of my income based repayment, Great Lakes sent an email to my wife to confirm that she was also receiving income and to sign a form. This email went to spam. All other information was timely provided, including all needed information to process my income-based repayment request. Instead of approving the request or otherwise reaching out, Great Lakes immediately capitalized over {$10000.00} in interest and would not remove it when I provided evidence that the requested information was timely filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
in XXXX I had set up payment arrangements to pay off two credit card debts this company took control over. I missed 2 payments so on XX/XX/XXXX the company garnished from my bank account the remaining balance and the debt was satisfied. On XX/XX/XXXX this company garnished {$470.00} again from my bank account. After contacting the company and confirming that this is THEIR mistake and that the debt was previously paid off they continued with the garnishment and took the money from my bank account. Several attempts via phone were made to try and contact them and have the money released by to me and they would not answer the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: FL

Complaint narrative:
Ameritech financial or a related company is in connection with my student loans. The federal trade commission has sued this company for deception practices, the court has not ruled as of yet, I want my money back and my personal information to be secured. I am taking the necessary steps to secure all of my personal information and in hopes of receiving all of hard earned money I have been struggling to pay. I was so happy thinking I was paying back my loan forgiveness and to my surprised being robbed of my money is totally not fair. I want justice for this and now I have to find another program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2018 I received a letter from American Express telling me that " We may begin sharing your information with out partners. '' I called the company to again tell them that they should not share any information or solicit me in any way. Through an automated phone system I was offered seven ways to turn off sharing, but several would be automatically reinstated in 3 years or others in 5 years. I called to talk to a person and was told that there was no option to permanently turn off sharing my information or marketing to me. They were also unable to tell me if my state offered a longer protection for my settings to stay in place. When I went online there was an eighth setting for privacy which was still selected in which they had the right to sell my purchase information. I had to turn this off separately and was not part of the phone options.

I would like a way to keep my privacy settings in place permanently. And I think telling me over and over again that there were only 7 settings and withholding the 8th setting is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: IL

Complaint narrative:
I HAVE SENT IN FRAUD INFORMATION TO XXXX AND TRANSUNION CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF 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 non-monetary relief