vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid off 4 accounts in full on all 3 of my credit reports XXXX, XXXX and Experian and not only are all of them has been reported as paid in full on my credit reports by the companies, The credit report agencies dropped my credit score even lower than what they should be and I want to know why and want my credit reports at all three credit reporting agencies corrected and my credit score where it should be ... ( Going up ). Now if you can not rectify this situation, can you point me to who can correct this situation? 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 non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
This complaint is concerning the disposition of a bank issued IRA with Suntrust Bank. My mother has an IRA with SunTrust Bank, she is currently XXXX and not able to performing banking in person, Im her XXXXXXXX XXXX XXXXt and have a valid power of attorney that has been registered with the cleark of courts in the XXXX of Virginia , XXXX Virginia . On Monday XX/XX/2018, I visited the SunTrust bank in XXXX Virginia, and requested closing of the IRA account, with distribution being made to the account holder. After presenting the POA, the bank informed me that the POA was  not valid for this type of account since it did not specifically specify retirement accounts, and the only way to close the account and receive distribution was to have my mother come to the bank in person, and or have a new POA created indicting that retirement accounts were included in POA. 

As indicated to the bank representative, my mother was physically unable to come to the bank, also was physically unable to execute a new POA, and is not in a financial position to have a new POA created. Also, the bank refused to give requested account information to me, the XXXX. 

Im of the believe that the actions of SunTrust on XX/XX/3018 concerning the request to close an account by use of a valid POA violates the Americans with XXXX Act, and the request by SunTrust to have the customer have a new POA developed to meet their corporate guidelines is also a violation of fair banking practices. After being denied the request to close the account by the POA, the attorney that created the POA was contacted, the attorney indicated the POA was valid and should be accepted for all banking  transactions, and SunTrust should honor the request to close and provide account information.

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 2018-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
My husband was unexpectedly hospitalized and unable to work and we fell behind on our mortgage payments. Just 1 ( one ) month behind. I contacted PennyMac to say we were just a little behind and trying to get caught up and their representative XXXX told me about loan modification. He said we'd be able to miss up to 6 payments to get caught up and the length/term of our loan would be extended accordingly. We filled out all the necessary paperwork and waited - this week we found out we are approved for a modification. PennyMac 's terms, however, are very different than were described to us in the beginning. Yes, we'd be allowed to miss 2 ( two ) payments, however the length of our loan would not be extended. Instead, when our payments resume in XXXX, our monthly payment would be {$90.00} more per month *for the duration of our loan* AND they'd raise the interest rate on our loan as well. If we agree to this, we'd be agreeing to increase what we pay to PennyMac over $ XXXX over the life of our loan. This is clearly fraud - a bait and switch. We were offered a reprieve to catch up on bills and instead now being shown terms that can only be described as predatory. We owe way less on our home than it's worth - this is obviously just a tactic used by PennyMac to force people into foreclosure for PennyMac 's financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Sir/Madam, Our flood insurance policy was re-written by the insurance company due to late payment. As a result, the insurance premium has increased. Our mortgage company ( Chase ) is  responsible for paying our insurance premiums on time. However, the payment was received late causing the policy to lapse. 

Our insurance agent claimed that the insurance renewal notice was sent to Chase ( Our mortgage company ) with the due date of XX/XX/2018. The payment was not received until XX/XX/2018, which was 2 days past the grace period. 

Chase, the mortgage company, claimed that the insurance payment was issued on XX/XX/2018. However, it was returned on XX/XX/2018. They called the insurance company and was told the payment was sent back in error. Chase then issued another payment on XX/XX/2018. However, it's two days past the grace period and the insurance company considered the policy had lapsed and re-wrote the policy. 

It seems that both Chase and the insurance company are not willing to take responsibility for the mistake and are pointing fingers at each other. 

As a consumer, we just know that it's not our mistake that this happened. We are the victim of the bureaucracy between two companies. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: MI

Complaint narrative:
Was contacted in XX/XX/XXXX by XXXX  XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX  XXXX XXXX. Contacted them and they said XXXX  XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX  XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$160.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company responded to my first letter by sending me a false document that looks like a bill, this document didn't bear my signature and furthermore didn't reflect that I had a contract with this company or their alleged client. Unsatisfied with the first letter, I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have received nothing from this company and they continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
I lived in an apartment in NJ and the thermostat was not working properly. We requested on several occasions for someone to fix because our electric bill was running around {$800.00} due to the ancient equipment. They refused to do any type of maintenance which would have been covered under the lease so we had no choice but to give a written 45 days notice. We knew they were going to keep our security deposit. Some time later we received a statement indicating we owed money for things that were needing fixed that were not true. We do not owe anything to this company and I have been disputing this for some time now.

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 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018, Chase charged me {$34.00} for each for two insufficient fund fees. The funds were available and they reimbursed me. I asked for statements from past accounts so I can see if this happened in the past and they are charging me to get those statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX on behalf of Capital One responded to the CFPB request to look further with this dispute. In this signed letter by XXXX for which i will reattached XXXX states " please note, that we will not share your creditworthiness information with any affiliated or non-affiliated organization with Capitalone '' ( However Capital One is still sharing with the Credit Bureaus ( XXXX, XXXX, XXXX   ). I've called and spoke with XXXX from disputes and faxed this letter to her/department on XX/XX/XXXX still haven't heard anything back. Today I spoke with XXXX ( disputes department ) she stated they did updated today XX/XX/XXXX and that its reporting correctly but they didn't address the letter I faxed and that she was going to resend info to their credit department but I couldn't speak to them. 

Can the CFPB take steps an assurance to hold Capital One accountable to what XXXX XXXX promised me in this signed letter and not share this information regarding my credit worthiness with the credit bureaus as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. 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 non-monetary relief
Consumer complaint received 2018-07-20 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: Dealer Funding, LLC
State: FL

Complaint narrative:
this car was sold to me by XXXX XXXX XXXX, on the contract he put a bow, no accidents, this company from, XXXX the day before XXXX XXXX called me and informed, me to beg, for this money, or take out a loan, she told me, that I would be jailed, that told me that as a veteran, buying a car such as XXXX showed, I had no XXXX, the young lady told me they would garnish my XXXX XXXXXXXX check, and I wouldn't be able to live anywhere but on the sidewalk, I ceased all contact with them in XX/XX/XXXX, I contacted the XXXX, and the ratings there were horrifying as were the threats this company has made to over 35 consumers,

Company response to consumer: Untimely response
Consumer complaint received 2018-07-20 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: MI

Complaint narrative:
i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XXXX XXXX ; XXXX XXXX {$6600.00} XXXX XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXXXXXX XXXX XXXX/XXXX  in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office CHI in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX XXXX opened in XXXX that also break the SOL.

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 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a served notice stating that I was taken to court ( without notice in XX/XX/2018 ). Which I found to be false when I called the city court of XXXX. They stated they ( XXXX ) just filed something but it wasn't complete in XXXX. I called XXXX I was going to try to work something out, although this is not my debt. My information was taken by someone that was a visitor in my home. I explained to XXXX that I have no money I am on a fixed income with the federal aid. I can not afford to pay this debt that I didn't create. The letter I was served with is not correct and I think or feel I should not have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My name is XXXX XXXX and on XX/XX/2018 I visited XXXX XXXX in XXXX  XXXX, Oklahoma and while I was there I had made a deal to buy a new truck. As we were making the deal we had an understanding that the financing would go through XXXX XXXX do to rebates and I asked to make sure that we agreed that there would be only one credit inquiry and that it would be for XXXX XXXX the sales manager assured me of that then I go back to finance do the paper then the next thing I know Chase bank has pulled my credit. I then inquire about this and I am told that they have an agreement with Chase that they can look at every deal that is made even if there is no chance of the deal being made using Chase bank because I can be 100 % positive that there would never have been a deal done with Chase bank. The next day when I talk to the finance department about this issues and having the inquiry removed because of the misleading ways that they did and the fact that they can have agreement with a bank that they can pull people credit even if there is no chance is wrong then on XX/XX/2018 the finance manager informed me that XXXX nor Chase bank would be doing nothing about this and that I am stuck with it on my credit this is the second time they done this to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I filed a previous complaint about this claim in collection, whereas I never got notice of the debt or time to challenge it's validity. Eastern then sent me a copy of a invoice but never proved they or their client ever sent it to me during the 30 or so days prior to placing it in collections and placing it on my credit reports. Just because you make up an invoice does not prove I owe it nor does it prove I was ever given a opportunity to challenge it, this according to Texas State Laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
A auto loan was established in my name by someone who stole my identity. File identity theft report through the FTC and sent documentation along with a request to remove all liability of this loan from my name. American Credit Acceptance continues to verify this account with the credit bureaus knowing that it is identity related. This is a violation of my rights as a consumer under the ID theft Victim rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. 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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Bank is charging me a late fee of {$65.00} because I made the remaining balance of {$33.00} two days late, which was the balance for the annual escrow adjustment. Bank employee left a voice message on the XX/XX/XXXX without any details and never called back when I left a voice message trying to find out what the initial message was for. When I called back again he informed me that the {$33.00} balance was received but I now have a late fee to pay. I requested that the fee be waived or lowered since the fee is almost twice the amount of the {$33.00} balance. He was unwilling to help. 
I believe it is unfair for a bank to charge such a large late fee when the vast majority of the monthly balance was paid ( {$1900.00} old payment compared to {$2000.00} new payment with escrow adjustment ). The mortgage payment statement only stated that the " if payment is received after XX/XX/18, {$65.00} late fee will be charged ''. My payment of {$1900.00} was made on XX/XX/2018 and the {$33.00} was made sent from my bank on XX/XX/2018. It does not indicate that if the payment was not received in full that the late fee would apply. 
Overall, this is poor customer service. If I did not follow-up with the employee. I would be incurring additional late fees for not knowing the first one was incurred. I hope they review their banking practices and treat their customers more fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX  10.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 2018-07-20 00:00:00
Product: Debt collection — Medical 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: Kramer & Frank, P.C.
State: KS

Complaint narrative:
XX/XX/2018 FILE STAMP XX/XX/2018, XXXX RETURN XXXX CO KS, SUMMONS, PETITION, AFFIDAVIT AND EXHIBITS SERVED XXXX XXXX XXXX XX/XX/2018 E/S I was told by the XXXX County sheriff office that there will be a warrant for my arrest if I don't show up to court. 
I explained that I can not afford to pay this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation