vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: CA

Complaint narrative:
I have been enrolled in the Public Student Loan Forgiveness Program since 2012. I have reliably made monthly payments ( via automatic withdrawal from all lenders ) and have contacted fedloan servicing multiple times to check on progress. Two years ago, I received an incorrect qualifying payment count that was off by one year. I was told to complete the Employment Certification Form to " repair '' this error. I completed this last year ( my third one ) and received a follow-up count that was, again, off by one year. After speaking to a manager on the phone for over 1.5 hours, he went through all of the payments that I did not receive credit for since 2012, finding multiple inconsistencies ( example : I was not given credit for multiple payments, despite having bank statements stating otherwise ). I ask for each of these months to be reviewed one year ago and again three months ago, though no updated, corrected count has been issued. This is incredibly distressing and concerning, as we are talking large sums of money that negatively impact my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
On this day I informed the agent that the debt was past the statue of limitation as the date of last charge ( payment by myself ) was in XX/XX/XXXX. I further stated that the debt has been sold to several collection agencies and that they continued to add interest to the account but that was not the date of last charge by myself. The agent told me I was more or less imagining things and that the date of last charge was in XX/XX/XXXX. I then informed her that the statue of limitations in Oregon is 7 years so it would still be statue. The women became very angry and raised her voice. I told her not to contact me anymore. She said that she would contact me because this account was not past the statue of limitations. About an hour and 40 minutes later they called back and I spoke to the same woman, who said that she was in litigation. She said that they were going to sue me. I again informed her that the account was past the statue of limitations. She said that the account was sold to 3 collection agencies and that the last time interest was added was in XX/XX/XXXX. So, again, it is still past the statue of limitations. She started yelling at me and I disconnected the call. Previously, I contacted by telephone and ( I assume the same people ) identified themselves as process servers and that they had papers to serve to me. ( This was approximately in XX/XX/XXXX. ) They would not give me a case number. I contacted the state of Oregon for a local attorney recommendation and then spoke to an attorney in XXXX. He told me that it was unlikely that they had filed papers otherwise they would have given me the case number of the court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: VA

Complaint narrative:
i pull my credit report and i see this debt that i am unfamiliar with i tried to contact them and also sent m, y dispute letters to them i have not received a respond and i want this debt to be remove because its hurting my credit score

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: DISCOVER BANK
State: TN

Complaint narrative:
I sent out multiple letters showing I was involved in a Identity Theft. I asked for the incorrect information to be removed but there was no action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
goldman sachs opened XX/XX/2017 remarks charged off as bad debt balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: OH

Complaint narrative:
I believe that FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) is unintentionally mis-reporting tax information for annual student loan interest payments for a calendar year to the IRS. I receive a document stating how much interest on my student loans is paid each calendar year in XXXX for the previous year. The numbers provided on these statements to me, the consumer, do not match the interest loan payments I made for the life of my loans, nor to the calendar year which FedLoan appears to be reporting on. 

In addition to this, account information is not directly accessible via their website after student loans are paid, they must be manually requested by the consumer from their support department, as they block access to the " Account Access '' portion of their website once all your loans are paid. When I received a copy of my student loan payments for the life of my loan ( FedLoan serviced my loans for at least the entirety of my repayment period ), I did a complete reconciliation of every payment, along with principal, interest amount, and residual balance after payment, from my personal records to the records FedLoan supplied, and my personal records were perfect. As a note, my loans are completely paid off, so I do know the absolute total amount of interest I have paid across each of my 4 loans, as well as in total ; see below. 

The meat of the problem lies here - FedLoan reported to the IRS that in XXXX I made student loan interest payments totaling {$140.00}, and in XXXX I made interest payments totaling {$510.00}. I do not have a statement for XXXX, and will not until XX/XX/XXXX. That being said, my personal records and the records provided directly to me by FedLoan state that my total interest payments for the LIFE of my four loans, across all loans, is {$540.00} in aggregate. This number, the true interest payment total for the life of my loans, is significantly lower than the total {$660.00} that FedLoan has reported to the IRS for the XXXX and XXXX calendar/fiscal years. 

FedLoan ( Pennsylvania Higher Education Assistance Agency ) has mis-reported my total student loan interest payments to the IRS, which affects the true deduction amounts that the IRS is expecting me to take on my tax returns each year. Please reach out to me for any clarifications or identifying information in order to validate these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I closed my AmExp credit card a couple of days ago and suddenly got an email from them today that they took my bonus miles away. I called them and was told that I was supposed to keep the credit card for at least one year. However I was never told about this requirement either when I opened the account or when I closed it. Otherwise I would have done it differently. This was a scam, trying to sign up consumers without informing them about all the fine prints. It's wrong. They should not reverse my bonus miles that were given to me several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
ATTN TSI THE FOLLOWING DOCUMENT WILL PROVIDE PROOF THAT PAYMENTS HAVE BEEN MADE EACH MONTH TO XXXX XXXX XXXX  XXXX. THE BALANCE IN WHICH YOU HAVE IS NOT REFLECTED ON THE STATEMENT THAT XXXX  XXXX  HAS SENT ME NOR THE ADDITIONAL CHARGE YOU STATED THAT SHOULD HAVE BEEN APPLIED IN THE AMOUNT OF XXXX OR XXXX. EITHER BALANCE OR CHARGE IS NOT ON ANY STATEMENT THEY HAVE SENT. YOUR ADDRESS AND PHONE NUMBER IS ALL THAT IS PRESENT. THEY ALSO SENT A STATEMENT INDICATING THEY HAVE NEVER BEEN PAID TO MY UNIT WHICH IS SLANDER AND DEFAMATION OF CHARACTER. THESE ACCUSATIONS WHERE FALSE. I WOULD LIKE A LETTER OF APOLOGY FOR THE FALSE CHARGES AND STATEMENTS FROM WITH ORGANIZATION WITH THIS CARD BEING SOLEY IN YOUR POSSESSION AND I PAY YOU OR THEM NOT BOTH WHERE TWO CHARGES THAT ARE BEING APPLIED AND THE PAYMENTS ARE NOT BEING REPORTED ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received an email that my account was suspended. I did not receive any additional information. I can not log into my account. I tried customer service number but could not reach someone in customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
I purchased a new XXXX XXXX XXXX from XXXX XXXX in XXXX MT. I put {$20000.00} down & because I live a responsible life, I have not borrowed anything in many years. My credit score was XXXX w no history. They approved me @ 16 %. I agreed knowing I needed a few weeks to get the $ to pay the loan off. The 1st pymnt coupon was sent w the wrong address, but eventually making it. 
The pymnt is due XX/XX/2020 for {$610.00}, the principal balance was {$28000.00} & as of this statement dated XX/XX/2020 the payoff was {$28000.00}. 

I called today XX/XX/2020, was told the payoff was {$28000.00}. 

That is {$680.00} in interest before the 1st paymnt due date & {$480.00} over the statement amounts. I called the finance dept @ XXXX 3 times & a sales manager, waited on hold 15 minutes w no answer. Contacted my salesman, promising me a return call from a manager w no call yet. 

I called Chrysler Capital asking for a detailed breakdown & they were unable to provide. Please help. My account # at Chrysler is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I brought a XXXX  XXXX XXXX in XX/XX/2018 in the state of XXXX  XXXX. I moved to XXXX  last XXXX and I did a change of address threw the postal service however Honda failed to mail me my bill statements the last payment I made was in XXXX on XX/XX/XXXX my car was repossessed at my XXXX  address that Honda Financial failed to sent my payments to. So the guy whom repossessed my car told me all I had to Do was pay the months I was behind and will receive my car back. So the next day I called them to pay the two months I was past due and they informed me that I had to the pay the entire loan off before I can get my car back her name was XXXX and yet she was rude, and unprofessional.She even hung up in my face so I spoke with a supervisor by the name of XXXX who made me send in tons of paperwork to prove that I was capable of paying the car payment and also he was supposed to be seeing if Honda would release the car back to me if I paid my past due amount. So he never called me back so I called him Monday to see what they said and he stated to me that at this time Honda decide not to give you the car back so only option I had was to refinance it so me and mother called over 10 people to get the car refinance and every lender stayed that Honda over charged us for the car and the car is not worth XXXX its only worth XXXX.Soon as me and mother found a lender to refinance the car Honda financial report to the credit breau that the car was repossessed making it hard for me to refinance the car.For one they wrongly repossessed my car and didnt give me no notice or nothing they all were rude but XXXX and they over price a car thats not worth what they are saying its worth and they will not allow me to get my personal property out the car or get my personal tags off the car. Honda financial is a scam and I advice NO ONE to finance a car threw them. They are unfair to consumers and cheat there consumers. This just aint with me its all there consumers go yelp and read there reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
I expressed to Prestige financial that I lost my job about would need assistance with the XXXX payment of {$390.00}. I was advised that I would be able to pay a reduced payment of {$190.00} for XX/XX/2020. I called in and paid {$200.00} to them on XX/XX/2020. On XX/XX/2020 I began to get countless of harrassing phone calls and e-mails from them about when I can pay my XXXX payment which is not even due until the XXXX of XXXX! I have told them on numerous of occasions to not blow up my phone like this. They also stated in one email that I owed $ 600+ which is inaccurate and is confirmed through an email through them stating I was current in my payments. For some reason they are claiming I owe {$73.00}? How could this be possible when they stated I could pay {$190.00} for XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NY

Complaint narrative:
I recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my XXXX  credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX  data until XX/XX/2020 when I pulled my free annual XXXX  report. At the bottom of the XXXX   report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, CoreLogic and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my FICO or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with XXXX, and get XXXX  to stop reporting this data about me or anyone else. I'm sure most people do not even realize XXXX is selling this data about us.

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 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
XX/XX/17Original debt was .. {$500.00} a, after interest and fees accumulated to XXXX.. XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( security credit services located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2020, I contacted TransUnion regarding 12 unauthorized inquires on my credit report. I had been car shopping and authorized a dealer to do a " soft pull '' on my three credit reports. Instead, not only did they do a " hard pull '' themselves, they sent my personal information ( without my verbal or written consent ) to a number of third party financing companies. The car dealer said I would have to contact the credit bureaus : they could not remove the inquires. While I had not problem contacting XXXX  and XXXX and having the unauthorized inquiries removed, TransUnion 's response was that they did not conduct inquiry disputes and that I would have to contact each third party creditor directly to have them remove the inquires. One by one I contacted the creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. and each time I was told by the representatives of the respective creditor I contacted that they could not remove the inquiry and that I needed to dispute it with the credit bureau ( TransUnion ) to resolve the issue/have the inquiry removed. Again, I contacted TransUnion on XX/XX/2020 and explained to the new representative to whom I was speaking that the creditors are telling me that I have to file a dispute with them. Again I was told they do not dispute inquires, but then was told to write them a letter in regards to what I was disputing. I asked if I could fax the letter to them, for expedience sake, and was told they no longer allow disputes by fax. My concern is, that after sending and them receiving the inquiry disputes, is that they will not act on them as they are legally required to given the fact that they are now telling consumers ( I have read other reviews on complaint boards ) that they do not dispute inquires. Considering each inquiry can lower your creditor score by 2 points or more, and a high number of inquires can cause a denial for credit on its own ( even with a good credit score ), TransUnion 's position is causing serious potential financial hardship to people who are trying to improve or maintain their financial 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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax - I put a credit freeze on this account ( all three credit bureaus ) in XX/XX/XXXX ( when I heard about the breach at Equifax ). 

All was fine until XX/XX/XXXX, when XXXX XXXX called and informed me that someone tried to apply for credit. ( Not me. ) I called all three agencies, learned that Equifax was called by someone ( a perp, a fraud ) on or before XX/XX/XXXX, wherein Equifax believed that the caller was me, and removed the freeze. 

Then the fraud tried to apply for a card at XXXX XXXX. 

This is the second time I have had my security breached at/by Equifax. The first time likely being the Spring XXXX breach of 145 million accounts. What is the price ( cost ) for that behavior? Who pays? Who pays me for my time to straighten out Equifax 's lack of security/protocol, a far-less than professional outfit? 

I have written a letter, dated XX/XX/XXXX, to Equifax that addresses all the above. XXXX  XXXX is sending me a letter that recaps what they did ( including our conversation ). 

XXXX XXXX has issued me a complaint ( fraud ) ID : # XXXX I am seeking from you ( or the Federal Trade Commission ) a reference number so I can approach all three credit bureaus, and place an Extended Credit Block ( 7 years ) on my account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Someone wrote a fraudulent check on my business account which I reported within a week of it being cashed. The person who cashed it also signed it and endorsed it with his name so nowhere on there is my endorsement or signature. However, the teller cashed it anyway. 

I lost my checkbook unknown to me until the time I noticed this fraudulent check. The checkbook had been in my glove compartment of the car however since I was using them, they could have been in my purse instead. I have no idea how the checks got removed so I can only believe that someone entered my car or the checkbook came out of my purse when leaving the car. 

I have been denied 3 times by the bank to reimburse me for this large check. One of the denials, I was told that it was due to a police report which I did get. 

By the way, I have not received ANY other responses except for the first denial. I have spent hours checking on this, calling on it and they are very uncaring. 

I have several accounts with Chase but I will be leaving them because of this. The biggest reason I have an issue is that the bank should have done diligence to see that the check was not signed or endorsed by me. Nowhere was my signature but now I am responsible for the funds that they were negligent about cashing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
My home mortgage is with Lakeview Loan Servicing at XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. Loan # XXXX In XX/XX/XXXX I purchased a new homeowner 's policy with XXXX. I notified the mortgage holder and they paid with money in my escrow account. 
XX/XX/XXXX they were supposed to renew policy with funds in the escrow account. I discovered in XX/XX/XXXX that the policy had lapsed so I had to rewrite policy with my agent. The premium was paid with funds in escrow. 
The mortgage holder informed that I needed to show proof that I had insurance for the lapsed period or they would force place a policy for the " past '' year. 
My complaint is that I was not informed that my coverage had lapsed when it actually did when the company failed to renew policy that was in place. No coverage was issued at that time in XX/XX/XXXX, I was not informed that I had no coverage. And I can not understand how any Insurance agency can issue a policy for the " past ''. 
The company has already paid for this policy with funds in my escrow account leaving me with a negative balance and increased my monthly payment. I am retired and living on social security benefits. This increase will place a hardship on me for some time. 
I ask that you please look into 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