vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Last year I received a report from XXXX XXXX on the number of qualifying payments I have made towards the Public Service Loan Forgiveness Program. They reported I had made 29 qualifying payments. The documentation I have shows that this is inaccurate, and I have made at least 46 qualifying payments. I asked them to recalculate my number of qualifying payments and they told me on XX/XX/XXXX, " We submitted a request to have a detailed Public Service Loan Forgiveness ( PSLF ) Payment Tracker sent to your email address on file. Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. Please allow up to 70-90 days for your request to be processed. '' I waited the 90 days and had not received any information. I followed up and asked when I should receive the information and they responded on XX/XX/XXXX with a request to allow 70-90 days. I responded to their email and told them the 70-90 day window has already passed and I wasn't anticipating that they would expect me to wait an additional 70-90 days. They responded on XX/XX/XXXX that it was in process but did not provide any information on when I should expect to receive the updated repayment tracking. I responded and asked for a timeframe for when I should expect to receive this information. XXXX XXXX responded on XX/XX/XXXX stating that gathering the information " can sometimes take a great deal of time. '' I requested to have the information by XX/XX/XXXX or I would have to move forward with filing a complaint. I waited an additional two months, hoping they would complete the detailed tracking and to avoid the process of filing a complaint. I still have not received any information from them as of XX/XX/XXXX. If they do not calculate my payments correctly, I will be forced to pay beyond the 120 payments to complete the PSLF program. If I refuse to pay after the 120th payment ( per my calculations ) then I will default on the loan and will no longer qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FIle a dispute with Experian Credit Agency, as they have a Report from XXXX XXXX there. XXXX and I had a dispute for a car got into an accident which XXXX sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash. 
I disute with XXXX through XXXX and was at the middle of trying to negotiating, I did offer XXXX to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. XXXX Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO EXPERIAN THAT XXXX needs to delete everything from my credit report as they sold this account and Experian has not removed it. 

XXXX needs to remove it as it is ilegal to remove it also Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. 
Capital Accounts collection agency for XXXX XXXX XXXX XXXX. 
Patient responsibility was paid at time of visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I applied for a Capital One credit card online through a XXXX XXXX link. The site indicated a 7-10 day time-frame for a decision. On Wednesday, XX/XX/XXXX, Capital One contacted my son regarding my card application. My son nor his cell phone number were in NO WAY included on my application. My son does not live at my address. They called my son 's phone number to confirm that I had applied for the card. This is a clear invasion on my privacy. 

Before I knew about the call to my son, they called me and asked to me disclose personal information including last four of my SSN over the phone. I do not give out my personal information over the phone. I told them to cancel the application. 

After the call to my son, I called back the number that had called me XXXX. I was told that they the obtain information for various sources and that I was somehow connected to his number. That still did not give them the right to discuss my application with someone else. His number is under my husband 's plan, not mine, so they had to also obtain information on my husband to get my son 's personal cell phone information. We are a private family, and prefer to keep our financial matters private. 

Not sure if this conduct is legal, but definitely not ethical. I will not attempt business with this company in the future, and have a new card with another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Total Card, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I have filed bankruptcy ( Ch XXXX ) about a month ago and they are saying they are pressing the following charges : Breach of contract Malicious intent to avoid repayment The account was opened in XX/XX/2016. I am not employed. I also now receive SSI. I made some payments on the account. I didnt purposely stop paying them. The company is saying I signed something stating I will not file bankruptcy. Is that even legal? When I told them they asked for a copy of the order but I am afraid to send it because I don't know if they are legitimate. I told them I filed and that they are violating the bankruptcy laws by continuing to contact me trying to collect on the debt. 

It is a collection agency calling me on their behalf. It sounds like an illegal practice to collect on the debt. Here is the contact info for the collection agency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been filling out credit card applications at this financial institution numbers of times. I have been recently denied a cash builders credit card by this bank that i have bank Accounts with and been conducting business with this bank financial and credit card Institution for many years. i feel that i have been a valued customer or client with them And feel that i am being treated unfairly, i deserve the right to be granted trust like any other Person or consumer of this bank. my credit score is good, all debts are paid or satisfied There are no issues with financial companies.please do a complete investigation for Discrimination issues and to be certain that i am being treated equally and to avoid future Complaints or disputes with the banks financial institution or who's involved with the Approval of credit card applications.Thank You Sincerely.XXXX XXXX.P N C Bank Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit Bureaus changed the status of my XXXX XXXX XXXX Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the XXXX XXXX XXXX XXXX, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.

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 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armed Forces Loans of Nevada Inc.
State: FL

Complaint narrative:
In XX/XX/2013 I applied for a XXXX loan from Armed Forces Loans. The loan was conditionally approved pending verification of XXXX XXXX XXXX. After my XXXX informed the loan representative of my pending medical retirement from the XXXX XXXX XXXX the loan offer was rescinded. Loan proceeds were NEVER sent to me and the contract was supposed to be voided. According to Armed Forces lending policy any servicemember in a pending discharge status can NOT receive a loan. I did not receive any money from Armed Forces Loans. However, this company is reporting inaccurate fraudulent information to the credit bureuas. This loan is showing as an unpaid deliquent debt on my credit and it should not be. The loan offer was rescinded and XXXX NEVER received any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We received a call from Chase Bank on our HELOC. They said that we were short a payment. When we called, the claimed that the payment we made using the coupon they provided on their statement was for the month of XX/XX/XXXX, and XX/XX/XXXX was not paid. The statement was dated XX/XX/XXXX to XX/XX/XXXX, and the minimum payment line said {$97.00}. The coupon clearly states that the payment of {$97.00} is due on XX/XX/XXXX. We made the payment, which was cashed and posted in their system on XX/XX/XXXX. 
They claim that that payment was for the month of XX/XX/XXXX, and that the XX/XX/XXXX payment of {$100.00} was not received. 
We have statement covering the dates XX/XX/XXXX to XX/XX/XXXX, which shows a minimum payment of {$100.00}, and the coupon shows a due date of XX/XX/XXXX. Our bank statement shows that the check was cashed, and their statement with the XX/XX/XXXX due date clearly shows that they received the payment on XX/XX/XXXX. 
Basically, I have sequential statements, going back to at least XX/XX/XXXX, showing the exact amounts requested. They also emailed me copies that include the payment vouchers, and all of them match the payments we have made. 

They are claiming that the payment due XX/XX/XXXX is the XX/XX/XXXX payment, and the XXXX that we paid is a short payment for XX/XX/XXXX, and that we owe another $ XXXX. They did this to us back in XX/XX/XXXX as well, getting a whole extra payment out of us. 

I tried to speak to their Customer Service. The first rep kept trying to convince us, but we have documented proof, including their own statements. The follow up research person, when first contacting us, could not understand why THEIR department was incorrect. She called us back this morning with the same explanation as the first, and then became condecending. They claimed that because we had filed for a bankruptcy almost ten years ago, that the statements were incorrect, and that we had to look at the COUPON amount. Well, I did that, and the payments made all matched the coupons.

Again, we have proof that everything had been paid.

If they are making us pay extra for these " mistakes, '' What if they are doing this to ALL of their customers? System clitch? How much extra revenue are they making from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ORG GC GP BUYER, LLC
State: IN

Complaint narrative:
Starting XX/XX/2018, this company has started harrassing me at work. They are calling my employer phone number and could possibly cause me to lose my job! I called and told her to remove my name and stop the work calls IMMEDIATELY! She told me she would do that. 

XXXX XXXX is the company. 
Agent identified herself as XXXX XXXX ( sp? ) phone number XXXX She stated this is regarding my department of education student loans. I am currently in a deferment period with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen erroneous reported me as 30 late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with Ocwen and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I FIle a dispute with XXXX XXXX XXXX, as they have a Report from Honda financial there. Honda and I had a dispute for a car got into an accident which Honda sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash.

I disute with Honda through XXXX and was at the middle of trying to negotiating, I did offer Honda to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. Honda Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO XXXX THAT Honda needs to delete everything from my credit report as they sold this account and XXXX   has not removed it. 

Honda needs to remove it as it is ilegal to remove it also Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer via Western Union for {$180.00} + {$12.00} service charge, for a total {$190.00} ( tracking # XXXX ). Two hours later, the recipient ( my son ) told me that WU refused to release the funds to him, and WU stated they were refunding the transfer to me ( the sender ). No reason was provided by WU. I went to a different WU outlet ( a different XXXX grocery store ), and they finally issued a refund in the amount of {$19.00}. The refund was reduced by a factor of ten. Someone obviously left off a zero. The clerk told me that what I received was the entire refund, and there was nothing she could do. I went back to the original XXXX to retrieve the rest of my transfer stub ( which I had thrown away and was fortunate to retrieve ), as directed by a WU supervisor. I tried to get the rest of my money there, and instead was given a case # XXXX and told to wait 24-48 hours! The next day, I called WU again, and spoke with a supervisor. They told me to go back to the 2nd XXXX ( who gave me the {$19.00} refund ), and that store would give me the balance of {$170.00}. So I drove back to the 2nd XXXX on XX/XX/XXXX, and they told me I already got my refund! ( Again! ) I wrote a letter sent certified mail on XX/XX/XXXX, received XX/XX/XXXX. Still no callback from WU. So I spoke with another WU supervisor and got another case # XXXX, and told to wait another 24-48 hours while they " investigate ''. There's nothing to investigate! It is abundantly clear that I was underpaid by a factor of ten. That's it. No investigation required. I was told to wait for a callback from WU, and when I still got no callback 24 hours later, I submitted a complaint on WU 's website claim form. I have now received yet another case # XXXX, and told to wait 24-48 hours! I am still no closer to getting my money back. Help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have contacted Capital One numerous time regarding a charged off account that is reporting on my credit file. This account does not belong to me and i have requested a copy of validation and verification of the debt including a signature or authorization. This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I called Monterrey Financial to find out why they were reporting the incorrect balance to my credit companies and the gentlemen explained that they report the actual balance with the interest and not what the actual payoff amount would be, we had a little argument about a {$85.00} fee that was to be waived and was never waived, I ended up telling the " account manager '' that I will just payoff my account and be done with them, we set up everything he confirmed payment will be taken on XX/XX/XXXX. On XX/XX/XXXX I get notification from my bank that a transaction was denied for Monterrey Financial. I  immediately called my bank and they explained that they denied it thinking it was fraudulent activity and they needed me to call and verify, they fixed the issue on their end so that Monterrey Financial could take the payment. They advised me to call back Monterrey Financial and have them re-attempt to take the money, which I did, but the other supposedly " account manager '' that answered was talking to fast confirming everything that the only thing I understood was {$780.00} and my pay off was supposed to be {$730.00} I asked they guy where did the difference came from and he said a recovery fee. I asked him why a recovery fee if my money was on my account and my back is just doing their job of stopping fraudulent activity and they were supposed to take their money on XX/XX/XXXX & not on XX/XX/XXXX, it is not fair that I get penalized for something out of my control. The guy would not let me talk and kept over talking me and only thing I kept on hearing that I authorize a payment of {$760.00} and I am trying to stop the guy to tell him I am not authorizing a {$760.00} payment and he just talking saying Ok you authorize the payment to come off your account today XX/XX/XXXX, I said one more time I am not authorizing that payment and he then said ok you authorize the payment for the XX/XX/XXXX. I ended telling the guy you are not authorized and I hanged up. I called back and asked to speak to someone above a account manager as everyone that I speak to every-time is an account manager, a lady named XXXX was nice enough to get me a leader named XXXX. XXXX called me back I explained the situation and she was very understanding and was actually able to resolve my issue and confirm to me that on XX/XX/XXXX the payoff of {$730.00} would be charged to my XXXX and she waived the fee. I want this dispute to be taken into consideration as I expect that a company providing services would not try to cheat costumers into authorizing payments without their consents and the gentleman I had the displeasure of dealing with today treat others with the same attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Debt collection calls and letters. Debt continues to be sold. Newest company, Diversified Consultants,  attempting to collect debt never owed. No delinquent accounts with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief