vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: AES/PHEAA
State: NC

Complaint narrative:
FedLoan Servicing is incorrectly calculating my PSLF-eligible payments and their payment processing with Direct Debit is  repeatedly giving me error messages making it impossible to make sure automatic payments are processed correctly. I've repeatedly attempted to contact them via phone, online chat, and e-mail with incredibly poor customer service that is if I ever get ahold of someone or get a response. Customer service has provided no help with my legitimate concerns and issues. I'm technically paid ahead for my student loans yet their system now shows that I'm past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Made mortgage payment on XX/XX/2020 at Bank of America using coupon and having mortgage account number on the back of the check at the XXXX Branch of Bank of America. Bank of America applied the payment to a credit card with XXXX balance. I noticed this issue on when the credit card statement came to me showing a credit in the amount of the mortgage payment. I attempted to contact them on said date, but they were unavailable as it was the weekend, so I contacted them on Monday XX/XX/XXXX. They indicated that they would research it and it would be a simple fix and would call me if they needed more info. On XX/XX/XXXX, I received from XXXX XXXX at Bank of America calling me that I had not made my payment. While on the phone she said we'd have to contact the credit department in order to reverse it. We conferenced in XXXX in the credit department of Bank of America, and he said it would take 10 days to process. This has still has yet to be resolved and in the mean time, I am harassed by the collection department at Bank of America, I explain the situation to them, and they put me on hold and disconnect me. Then I called the credit card department of Bank of America on XX/XX/2020 and they indicated that they would escalate it and as of today nothing has changed. This issue was caused entirely by the gross negligence of the Teller at the XXXX, NH Branch of Bank of America. At this point the payment is showing 30 days past due will effect my credit if they don't fix this and back date it to XX/XX/2020, the day the payment was made.

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 monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Suntrust Bank XX/XX/2020 to ask why my account is frozen and why I can not use my debit cards. The bank did not give a reason why and was not very helpful. This is a business account and I can not conduct business with my account being frozen for no obvious reason 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 2020-05-06 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched FTC ID THEFT case XXXX I AM A VICTIM OF IDENINITY THEFT REPORTED TO USAA XX/XX/XXXX, XXXX see attatched usaa FRAUD CLAIM LETTER dated XX/XX/XXXX. I just got usaa credits for this fraud of XX/XX/XXXX. XX/XX/XXXX. TWO YEARS LATE!! XX/XX/XXXX spoke to XXXX of ID THEFT TEAM at usaa. He claims usaa is ( ** UNABLE to provide WRITTEN DOCUMENTATION WHO PLACED THE SAME UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} XXXX.?? HUH?? A BANK DOES NOT HAVE POSTING MERCHANT INFORMATION?? SORRY I DO NOT BELIEVE THIS XXXX. USAA IS NEVER HONEST. AGAIN USAA, WHO PLACED THE UNAUTHORIZED TRANSACTIONS THAT APPEAR ON STATEMENT AS XXXX CHARGES XX/XX/XXXX {$470.00} XXXX CONFIRMS XXXX DID NOT. PLEASE SEND VERIFYING DOCUMENTS TO MY HOME ADDRESS. I HAVE NO ACCESS TO THIS ACCOUNT. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was leasing a vehicle, and I turned the vehicle in early. They wanted me to pay a early termination fee in addition to the money I paid to cover the remaining payments of the lease. I paid the remaining lease payments, and they said I could pay the fee later so I did. They listed a late payment for a month I no longer was leasing. I was never late always on time and was given permission to make the fee payment at a later date. I called GM financial and they told me they dont see late payments on their end that they never reported a late payment however its on my credit report. In addition it does not show that it is closed it shows as a current account. Its on my XXXX credit report and possibly XXXX. Please help. I am trying to eventually remortgage my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I already filed a complaint with this agency under XXXX Kia Motor Financial stated that they could not find my account when you company contacted them but was able to find it when I contacted them. I hung up on them. I am frustrated with their company and practices.

As stated in my previous complaint this was my ex husband 's vehicle that I was asked to cosign on because he did not have any credit. We separated and he started missing payments then ultimately he go the car repo. I contacted Kia monthly to try to get a resolution and all they kept telling to do is pay for a car that I was not in possession of with a man with a violent history. In our divorce decree, my husband was declared responsible for paying the car note.

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 2020-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
In XXXX of 2019 I was contacted by a company called Fed loan servicing to set up a loan forgiveness program which would reduce my balance from approximately $ XXXX {$16000.00} by making payments monthly that were automatically deducted from my check in the mail and the amount of $ XXXX monthly I was informed this was based on my income and I would have to recertify annually. For approximately six months this amount was deducted from my account and I thought nothing of it until it stopped withdrawn from my account. And became suspicious wants to stop withdrawing from my account and just recently checked my credit report only to find out then an additional {$49000.00} that has never existed in the 15 years since my student loan balance begin appeared do on my credit report as a separate line item from my original amount due which is valid of XXXX. When I called Fed loan servicing they informed me that this was a scam and that often scammers pose as the actual company and working with the department of education but are there to steal your money I am asking for your help to rectify this I am currently contacting XXXX the original provider of my student loan to get an actual statement of account to provide the valid representative from Fed loan servicing So they can indeed validate that my balance is only XXXX And not XXXX as indicated on my credit report. I do have a copy of my statement that was mailed to me showing the two separate balances one of which is completely invalid and have spoken to the one I believe is the valid company Fed loan servicing  they asked me to reach out to your company to correct this and file a complaint if someone could please get back to me to ask me what else you need from me I have just a little bit more information can also provide bank statements of the amounts being withdrawn the original number and name of the person I was given I was even provided a username and password and direct number to reach the company but since can not reach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX  NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.

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 2020-05-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I had a 3 year lease with Nissan-Infiniti Financial from XX/XX/XXXX to XX/XX/XXXX I was current with payments from the time of the lease from XX/XX/XXXX to XX/XX/XXXX. I had some financial difficulties that prevented me from paying my lease payment on time to as a result the car was repossessed. I received a letter from Nissan-Infiniti stating they sold the vehicle at an auction and I was liable of the balance of {$7800.00}. My account was then turned over to XXXX XXXX XXXX who I agreed to a monthly payment of {$210.00} until the balance was satisfied and was told during the agreement if I wanted to present a settlement to call back and they could make arrangements. I made faithful payments on the XXXX of every month starting on XX/XX/XXXX of 6 payments until XX/XX/XXXX a total of {$1000.00}. I called XXXX on XX/XX/XXXX and offered them a payoff of {$3000.00} they put me on hold to contact Nissan-Infiniti with the offer and they counter offered with {$3500.00}. I called back a week later on XX/XX/XXXX and made the payment of {$3500.00}. I asked for a payoff letter they informed me it would be in the mail with in a week and it did. Nissan-Infiniti then reported that I was late from XX/XX/XXXX to the time off the payoff that information was incorrect and they closed my account with a balance that impacted my score tremendously. I need this resolved and removed from my Credit Report Please. I have read the policy from the FCRA and this is a violation thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank has recently closed my credit card accounts

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I open an checking account with wells fargo last year. I used my overdraft that was a service availableto me as A checking account holder. Shortly after I miscarried and was off work for a few months. As A result I faced some finacial hardships and was unable to bring the account to A positive balance. A family member willing to help me keep the account wrote me a check to cover the over draft and I would have a few bucks left. I deposited the check and the next day I was advised by the family member they wront the check from the wrong check book and that I needed to stop the check from going threw. I contacted wells fargo and advised but XXXX of the check had already become available. The lady said it would put the account back in overdraft and that they could not reverse the check as it has already been deposited. That brought my balance to A negative XXXX or so. I went to pay this balance and reopen an account and was informed I was showing on early warning consumer report. I requested a copy and to my surprise wells fargo and has reported the account closed due to account abuse. Which was incorrect information. The account was closed due to the overdraft balance and I didnt resolve it in a timely manner due to me being off work from a XXXX. I reached out to wells fargo and was informed somebody would contact me to get this inaccurate reporting removed from early warning and allow me to pay the balance I owed. It has been over aonth and no response from neither early warning or wells fargo.

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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
Received XXXX XXXX  from XXXX XXXX which I did not open but was charged for upon my termination of my services with them. Received letter stating I could avoid Exit Fees by returning XXXX XXXX  in original box in a method that provides proof of delivery to Attn : Returns XXXX XXXX XXXX XXXX, XXXX. 
I mailed the merchandise to the above address XX/XX/2019 per XXXX. It was delivered to the above address XX/XX/2019. I have receipts with tracking number and receipt of delivery. The account has since been sold to collection agency who is reporting on my credit reports. 
I attempted to speak with collection agency representative about dispute, but they were argumentative, rude, and generally, non- helpful in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.

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 2020-05-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I received an email from this company on XX/XX/XXXX. 
The email was addressed to my wife and claimed to have a document for us to view. I wasn't expecting an email from a company, let alone an attachment. I didn't open it. 
I replied to that email requesting full validation on this account. 
In their email, they stated that they had our permission to contact us via email - we have never talked to them before, never gave them an email address, nor gave them permission to contact us via email. 
" You were never given permission to use this email address. 
Although I was able XXXX search the address and find out who that address is for, I am not clicking on a link or opening an attachment from an e-mail I was not expecting. 
However, if this is Sunrise Credit Services ( as XXXX suggested ), you can mail a physical letter to the address you have on file - I have yet to receive one from you. 
Also, along with this letter, I demand full verification of the account in which you are trying to collect - copies of the itemized bills, notices, etc., as well as the proof of permission you were given to contact whomever at this e-mail address. 
Please note : This is not a credit dispute or an acknowledgment of debt. The marking of any credit reports as disputed in regards to this verification request will be an FDCPA and an FCRA violation. '' No validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
On XX/XX/XXXX, I emailed them again : " This is my second request for verification on this account. You continue to call and demand payment. 
I still have yet to receive anything in the mail from you. '' Once again, no validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
I just received a phone call ( XX/XX/XXXX, XXXX ) and informed the collector that I've already requested validation on this account twice and I have yet to receive a single piece of paper in the mail from them and their phone calls have continued. 
I informed her that if these demands for payment persist without sending me something so I can validate this debt they're claiming I owe, I will file an official complaint. She acted as if she didn't care and short of laughed at me. She told me that she could dispute the debt and I stopped her and told her I'm not disputing the debt and I don't want it marked as disputed on anyone 's credit report and that I'm simply requesting validation for the third and final time. She, once again, acted like she didn't care.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I made payment on my Valley Bank credit card by depositing same at the Post Office in XXXX where the Valley Bank has a branch. I was not able to make a deposit at the branch because the branch was closed because of the coronavirus pandemic. I subsequently learned that the Valley Bank branch in XXXX XXXX was also closed. 

NOW VALLEY BANK IS HITTING ME WITH A {$28.00} LATE FEE. THIS IS APPALLINGLY UNFAIR AS I MADE A GOOD FAITH EFFORT TO MAKE PAYMENT ON TIME BUT THE FACT IS THAT THE VALLEY BANK BRANCH IN XXXX WITH WHICH I NORMALLY DO BUSINESS AND WHERE MY BANK INFORMATION IS STORED WAS CLOSED BECAUSE OF THE CORONAVIRUS. 

I WROTE TO THE CFPB THE VERY DAY I DEPOSITED SAID PAYMENT BUT RECEIVED NOT ONE WORD FROM THE VALLEY BANK! 

MOST DISHONORABLE AND MOST UNFAIR!

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 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX - XXXX Reported XX/XX/XXXX XXXX attempted numerous times to resolve they want the whole debt paid which I never purchased this and they were unable To provide me with evidence of me purchasing such goods. I called on XX/XX/XXXX when I applied through my bank to refinance the house and this came up. 

XXXX XXXX XXXX. XX/XX/XXXX Reported XX/XX/XXXX. AMOUNT DUE XXXX XXXX Never purchased goods tried numerous times to dispute and no remedy. 

ARS Account XXXX XXXX, Fl Medical bill for services rendered unable to obtain accurate information in order to resolve. I never received a bill to pay, as well was unaware of these charges. Attempted to contact and no answer. 


XXXX- XXXX Reported XX/XX/XXXX. {$390.00} for school? 

Never registered for clases in XXXX and XXXX XXXX College is charging for a class never taken and never registered. 

XXXX XXXX XXXX XXXX Medical services rendered Never receive bills for this service or notice. 
Attempted numerous times to resolve issue and they are unwilling to remove from credit report.

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