vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: NY

Complaint narrative:
Received a letter on XX/XX/2019 from Flagship Credit Acceptance in regards to a denial of a credit request I never applied for and it has left a hard inquiry on my report under my name from XX/XX/2019 2019

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 2019-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have paid on the line of credit for many years and very little has come off the principle. I personally think these second mortgages should be outlawed since you cant take the interest paid off you taxes anymore. I once paid a {$14000.00} dollar lum sum to Fifth Third Bank of XXXX, Ohio! I think i am being taken advantage of BIGTIME!!! Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Last year, my loan was transferred to Rushmore Loan Management for servicing. At that time, my loan was already seriously past due. On XX/XX/2019, I submitted my first request for modification. After consideration, my request was denied based on their determination that my > {$5000.00} monthly income was insufficient to support a mortgage and other existing debt. My failure to provide a deposit towards the arrears was also sighted as a reason for denial. 

Now, I am on a pre-foreclosure list and everyone in my family is receiving unsolicited mail, text messages, and phone calls about filing bankruptcy and/or fire sales. Besides the fact that this is my home of 15 years and I want to live the rest of my days here, moving is really not a reasonable option for me because I am a single parent, struggling to support XXXX XXXX  child in XXXX and XXXX child with XXXX and XXXX XXXX who is living with me and attending XXXX XXXX in the only town he has ever known. In addition, I myself am XXXX and XXXX  XXXX and just underwent major XXXX which left me unable to XXXX  independently. 

I did explore the possibility of refinancing with another lender but I have been advised that it is not an option for me due to my current arrears and the existence of a second mortgage lien against the property. 

With filing bankruptcy being my only other option to keep my home, I did re-apply for a modification again on XX/XX/2019. It is my understanding that mortgage companies are supposed to work with families to develop a modification plan to help them keep their homes and that hasn't been my experience thus far. Since I do not know what the outcome will be of my most recent application and I am so close to foreclosure, I feel the need to better understand the company 's modification process and why, if it so happens that I am denied again, I would not be given the opportunity to at least make trial payments prior to sending me into foreclosure, especially where I do, in fact, have a stable income sufficient to pay a reasonable mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/19 around XXXX I used PayPal to pay someone for football tickets to an XXXX XXXX game and the merchant was a scammer so I immediately cancelled the payments no longer than 5 minutes after sending the payments and PayPal still allowed the payments to go through. After I cancelled the payments on their website, I called their customer service line right after and the representative told me that they could not refund me my money even though the website said it was cancelled and the transactions are still pending today. If the transactions are still pending, how is it that the money was withdrawn from my account immediately?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My loan was transferred this moth from XXXX   XXXX to Loancare LLC. Loancare LLC charges a fee for online payments even during the grace period of the loan. There should never be a penalty or fee if payment is made during the grace period.

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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: NC

Complaint narrative:
Account Name RECOVERY ONE LLC Open Date : XX/XX/2014 Balance : {$4200.00} This, " supposed '' debt that is reflecting on my credit files is totally an unfounded claim. 
This matter can easily be resolved by providing " any '' documents reflecting my true valid signature confirming my responsibility for any of these said " due amounts. 
However, there are none as I stated earlier, this is an unfounded claim of a supposed due debt that I have no clue as to why it has been continually posted. 
Please note that I filed a dispute via XXXX   requesting proof & validation of their claim previously and it was ignored. This is being reported by a company named " Recovery One LLC ''. 
Your assistance in this matter would be greatly appreciated. Note that this is the only thing ( other than inquiries ) that is burdening my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
2014 Receivables management Systems took over a medical debit from XXXX XXXX in the amount of 76.00 over the years the amount has increased to XXXX. Clearly the collection agency has been applying additional fees and reporting them to XXXX. Additionally, the HIPPA agreement signed during treatment did not include Receivables management systems, there ability to verify the account is in direct violation of my rights as i did not authorize access to information obtained for medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I filed a dispute for {$32.00} ( original transaction was {$64.00} ) with Barclays on my XXXX  Visa card. The dispute team looked at the wrong refund ( {$55.00} ) and mistakenly assumed that this refund matched the {$32.00} refund. I've called and asked them to reverse the rebill amount and they said the only way to re-open the dispute was to send them a hard-copy letter stating I wished to re-open the dispute. 

My user agreement rights states that IF HARDCOPY LETTERS ARE NOT POSSIBLE FOR YOU, PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD AND WE WILL HELP YOU. I've called that number but the ONLY way for users to reach the dispute department is through letters. There is no way to email or call them which is insane and incredibly limits how they can be contacted when the dispute department has messed up their job and mistakenly closed a dispute. 

I am now missing {$32.00} that should rightfully have been refunded to me because of their mistake.

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 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Account number XXXX Charged {$8.00} for a check withdrawal. This account does not have a fee per the banks fee schedule

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent a domestic transfer on XX/XX/2019 to a friend in NJ of {$500.00} from Bank of America and they never received it. I called them many times and they were saying to wait after I gave the complain but after few days they said they couldn't get the money back and couldn't do anything. the bank didn't have any responsibility for the lost of money even that was the right account and routing number.

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 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called caine weiner who told me i dont owe XXXX XXXX and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in XX/XX/XXXX that is still open and its XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is not correcting my name nor incorrect addresses on my credit report. They have my twin brother 's name on my report and I never had the name XXXX. My name is XXXX XXXX XXXX. Trans Union has mixed up my credit with my brother 's and admitted it but they won't fix it. I have had a dispute with them for over a year now and I'm losing patience and may consider hiring an attorney for this matter!

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 2019-09-09 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have an unauthorized hard inquiry on my credit report. I use XXXX XXXX and they say to contact the company responsible however Iv been unable to contact the correct person within XXXX to dispute this hard inquiry made by Syncb National Credit Cards/Airlines.

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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
The company, Portfolio Recovery Services, calls my business line, which is a videophone, several times a week. This has been ongoing for a while. They never leave a message and the videophone, which goes through a relay interpreter, never rings. I can not block the number because they change it to a different number each time they call ( same caller ID ). A XXXX search shows they are a debt collection agency. I do not have any debts that are in arrears, especially nothing tied to my employer 's phone number. The repeated calls without any ability to answer, find out why they are calling this number, who they need to speak to, or tell them to stop eat into my daily productivity, as well as clog up the Video Relay Service interpreters who have to answer these calls, prepared to interpret them. It's abusive and excessive, and I'm completely in the dark with what their issue is that they need to call my work number so excessively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
During the month of XXXX I have sent the company 2 validated cashier checks for my mortgage and the claim they have not received non of the payments. I have proof of them receiving the certified mail through the us postal service. So no I am XXXX missing and migrate not paid for XXXX. I call several times a day and they tell me the same thing that they dont have it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My loan was recently transferred from XXXX to Loan Care. But I've noticed a serious discrepancy that needs to be corrected ASAP. 
XXXX XXXX Number XXXX Loancare : Loan Number XXXX The balance that should HAVE been transferred from XXXX to Loan care should have been {$430000.00}. But Loan care shows that the transferred amount was {$440000.00}. Please fix this ASAP. I've made a payment in early XXXX XXXX to XXXX. But Loan care shows the payment date as XX/XX/16 and the current balance shown by them is not accurate. It should have been {$430000.00} from 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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/19 - I closed on a refinance with Athas Capital Group XXXX Inc., XXXX. As of today, XX/XX/19 - the loan has not disbursed funds yet. It should have disbursed on XX/XX/19 and did not. The lender ordered inspections AFTER the disbursement period was over and did not follow up, to insure it was within the disbursement period. I feel they are in violation as the rescission period is for the borrower 's benefit and not to be used to delay funding by the lender. 

There was no disaster at my location, nor named a disaster as Hurricane Dorian did not hit my area. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have submitted 3 complaints re the Bank of America. They are ACTUALLY ONE COMPLAINT BUT COULD NOT FIND A WAY To note old complaint. The last time someone was supposed to call me from the bank. The last person to call me was XXXX XXXX on XX/XX/19. I was not here but returned his call within 15 minutes. I did not hear back. I called again a couple of days later but no return call. He SAID IN HIS MESSAGE i HAD TO CALL BACK BY XX/XX/19. I want you to know that I followed his instructions but no response. They are being ridiculous. I mentioned the law in CT about subpoenas but they will not let me see anything. If they are correct, as they say, then why wouldn't they want me to see the proof? 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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
this debt is over the time period. AND THE LOAN WAS LEVY AGAINST MY current MORTGAGE. Its seem like I being target for a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called XXXX XXXX who told me i dont owe western union and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in may that is still open and its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I purchased merchandise from XXXX in early XX/XX/2019. Upon receipt of bill from its financial affiliate, Comenity Capital Bank, I sent via on-line bank payment, amount requested. The next month I did likewise, The following month I received bill with late charge and two-month delinquency. Contacted Comenity ; they disputed receipt of payments. Demanded full payment after which late charges would be waived ; and were. Credit bureaus were never notified, which I did to correct credit damage. In contact with Comenity, I identified that they had applied my payments to my deceased husband 's account XXXX and not to my account XXXX. Comenity has refused to correct its error and to return {$150.00} it is holding in my deceased husband 's account. I reached out to XXXX for assistance but without any response to my request. 
I am an XXXX-year-old XXXX woman on a fixed income and can not afford to add to Comenity 's bottom line in this manner. 
Please help. 
my e-mail address is XXXX ; telephone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TX

Complaint narrative:
inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX/XXXX XXXX  XXXX on XX/XX/XXXX {$2300.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX XXXX on XX/XX/XXXX {$21000.00} - FTC violation XXXX XXXX XXXX  on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.

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 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dir Sirs, In response to my previous complaint letter, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019, one of the Chase Bank representatives contacted me by phone. He asked me a number of identifying questions, which I answered to his satisfaction, to be sure of my identity. He informed me that I would shortly receive an answer to my complaint. 
The letter I subsequently received included the following statement, " Please contact us directly at XXXX so we can verify you. We have notated your account so we can make another attempt to verify you. 
I called the number as asked, and attempted to verify myself. I was told by the representatives, first by XXXX, and then by his supervisor XXXX, that they can not verify by phone, because I do not have a social security number. 
Im sure you can understand that this is both very vexing and surprising. It was known that I am not in the U.S.,  nor do a have a Social Security number, yet their suggestion to solve my problem was to call to be verified. 
As my account is paperless, my only access to it was via my online access. For all practical purposes I am severely restricted. I cant even know my account balance! 
Im sure you understand that asking me to fly from XXXX to the U.S. is an untenable request. I urgently need your assistance and intervention. How can this be resolved? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a complaint in regards to being a victim of identity theft. Capital One has disregarded my request on 5 occasions. On my last complaint, I advised that I was a victim of identity theft and that checking account and credit card were opened under my name. Capital One has replied stating the information showing in " public record '' matches what shows on the Capital One account. The address XXXX XXXX XXXX XXXX XXXX, CA which is a business that closed down. I attached proof. The two number that was given number shows under my name and reads under an XXXX XXXX. Capital One did no research to prove that no identity theft happened. I am not responsible for this account and it needs tto be removed off my record with Capital One immediately. Capital One has referred to Collection agency ( they already investigated and as Capital One it was identity theft. I have already submitted a copy of the police report and FTC report.

Company response to consumer: Closed with explanation