vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
In XXXX, former President Obama announced the Public Service Loan Forgiveness Program. My wife and I lived in XXXX. I contacted Congressman XXXX XXXX XXXX  office to find the link and gain assistance in submitting in the application. 

Over the next three years, I encountered numerous problems with the Department of Education ( DOE ). I completed the application six times. I submitted it six times. DOE officials stated the paperwork was not received electronically or by certified mail. DOE claimed the XXXX XXXX where I worked as a full-time XXXX  did not qualify for the program. Yet, the nonprofit organizations with whom I volunteered or worked for as part of my community service obligations did quality. DOE claimed that I did not qualify for the program even though I made 120 payments. DOE again claimed that I filed for forebearance during this period or reduced payments which resulted in my denial. 

My wife and I moved to XXXX, Texas and I contacted Congressman XXXX XXXX XXXX office for assistance. This occurred in XXXX. His staff worked with me to coordinate my paperwork and obtain a consistent response from DOE. 

In XXXX, XXXX, I received a phone call from XXXX in XXXX XXXX, CA. Their representative, XXXX XXXX, stated that I was now approved to have 75 percent of my remaining student loans forgiven. Their organization contracted with DOE. I would pay {$510.00} for the next three months. My remaining student loan payment would be {$200.00} for the next few years. I agreed. However, my FedLoan account showed the reduction was not applied to the account. Congressman XXXX XXXX office staff worked with FedLoan, XXXX, and me periodically over the next nine months. A staffer finally inquired into XXXX. While their email address implied XXXX was a government agency, it was a third-party organization who had misrepresented themselves to me, to a Congressional office, etc. as part of DOE or held a contact with DOE to process such paperwork. At which point, FedLoan recommended that I contact the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General 's office and notify them of the situation. 

I had completed and battled with DOE for years over my application. How XXXX had access to my electronic information baffles me. They knew too much about what I owed and guaranteed that the remainder of my student loans were forgiven through the program. I would like the money I paid to XXXX returned. If it is possible, I would like DOE to finally acknowledge the receipt of the paperwork and apply not just the letter but the spirit of the law as was promised to me and countless others who dedicated their careers to public service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I have spoken with the servicer. Select portfolio servicing told me they will refund the {$250000.00} the stole from yesterday within 72 business hours. THIS IS NOT GOOD ENOUGH. I WANT THEM TO WIRE THE MONEY TODAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Applied for loan XX/XX/XXXX with Citizen 's Bank, agent XXXX XXXX ( NMLS ID XXXX ). I was told 15 year fixed would be 2.5, closing costs {$3400.00}, I did not have to have Citizen 's account, and I did not have to escrow. I was approved on XX/XX/XXXX and asked for the details again. He said, " we already went over them, we don't have to do it again ''. After pressuring him, he said, It would be 2.65 paying 0.25 points, I had to have a Citizen 's checking account, I had to escrow, and closing would be XXXX or more. 

XXXX is either incompetent or a scam artist and I am guessing the ladder

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: NY

Complaint narrative:
XXXX  reported me to transunion for a past due bill of XXXX and I paid XXXX XX/XX/XXXX. Then I filed a dispute to have it removed from my report as XXXX  agreed once I paid they would have it removed. It was reported and remove and then transunion reported it again saying the amount owed increased by {$140.00} and my score took a major hit with double digits. TransUnion said XXXX collections agency reported that I still owed and I called XXXX   and their debt collectors and transunion and all Ive been getting is nonsense because they all keep saying its not their fault. Im XXXX XXXX  XXXX  and this is stressful as I was working hard on building my credit because my family plans to purchase a house soon.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The Home Depot has cash my official bank check of {$500.00} has haven't acknowledged that they cash my check. I wrote to the customer service with proof and fax to the Resolution Expeditor Executive Team this bank is playing games with my money. I don't understand Citibank this has been a nightmare for this senior. 


account # XXXX Citi : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa 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 monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
. Date : XXXX, 2020. Amount : Total XXXX USD. Company : Remitly ( www.remitly.com ) I found Someone hacked my Remitly account on XXXX and took out cash from my debit card which was linked with the Remitly account. I reported this unauthorized activity case to the Remitly company on XXXX as soon as I found it. they said their consumer protect team will contact you within 24~48hr. but no feedback from them. 
so, I contacted and complained again on XXXX but their answer was always " I am sorry to hear that. and the Customer protection team will contact you for the next steps within 24~48hrs. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was Paying off my credit card and closing the account. I called the company to verify the amount I needed to pay in full to close the account, and sent that amount. I have since received a bill for more interest. I called the company and spoke with them three times about this and the said there was nothing they could do. The amount that I was told to pay in full on or about XXXX was {$1300.00} and that is what I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30 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: MN

Complaint narrative:
Over the past 46 days I have sent two dispute letters in regards to several accounts that are not mine and need to be removed. After the first letter was received by the bureaus involved an investigation was completed by the bureau. Upon completion the accounts should have been removed. However I was notified that the accounts are in a resolved status and have not been removed. I then sent another letter asking again that the inaccuracy be resolved.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not been able to obtain my credit report for the past several years online. Each time I attempt to get my report, I get a message that says I have to mail in copies of w-2 form, driver 's license etc. When I call Equifax 's customer service, I am told report can be mailed to me and it will take 5-7 days to reach me. I don't understand how the two other credit reporting agencies can provide this information online and Equifax does not. I shouldn't have to go through this unnecessary action each time I request my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
A company by the name of Cavalry purchased an account from XXXX XXXX. They sent a past billing statement they stated came from XXXX, but the amount listed as owed was much more then I had ever purchased as I didnt even have a car at that time. The amount listed as owed is listed on the statement as {$410.00}, but they didnt even have any individual purchases listed so that I could see what they were trying to bill me for. 

I was sent a card by XXXX over 4 years ago in 2016 and closed this account with XXXX a few months later in the same year. I closed it because I didnt have a car and not much use for it and because of a dispute with XXXX over billing as I had only used the card at one XXXX store buying chips and a soda a couple of times and putting gas in a friends car about 2 times, so the amount owed from my calculations should have been around {$100.00}. 

I am asking for your assistance regarding this matter as I feel as if I am trying to be taken advantage of. I do not know if it is being done on purpose or the result of Cavalry not looking into the details of this statement but it is clear the amount on the statement is 3 times as much as I charged on this account and 3 times as much as XXXX told me what was owed when I asked them to close this account over 4 years ago in 2016. 

This is especially disturbing to see because of the obvious discrepancies in what was actually charged and what they are stating is owed and the lack of a list of itemized transactions in the billing statement. but it is especially and even more so disturbing because this country is in the midst of a pandemic with deaths totaling over XXXX and the economy and jobs not being this bad since the Great Depression and people suffering from not having jobs and putting food on the table and this company is asking for me to send them 3 times as much as what was charged on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
I am currently applying to the US SBA Office of Disaster Assistance for an Economic Injury Disaster Loan. They have placed four inquiries on my CBR as they are probably refreshing the information as my application goes through the necessary channels.

Experian is reporting this as four separate inquiries, when in fact, it should only be one inquiry. I have tried to bring this to their attention and have received that this is 'not disputable. ' Thank you for being here.

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 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a chapter XXXX bankruptcy on my credit in XXXX. I have spoken to them on numerous occasions and they refuse to help me. I have filed dozens of disputes with them and they refuse to respond or help me. I have explained to them that the information is incorrect XXXX XXXX does not allow 2 Chapter XXXX 's within a 10 year period. So how if I filed in XXXX can I file again in XXXX? Impossible. Today I provided them with a letter from the United States Bankruptcy Court Eastern District of California stating that I can not have filed in XXXX because it has only been 8 years. And they still have refused to help. I spoke to a Mrs XXXX in their Consumer Affairs Department and she stated on a recorded line she would not be removing the information. Please help me correct this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
Hello, I got the new XXXX  XXXX car from the XXXX XXXX dealership on XX/XX/2020. I signed the lease agreement/contract stating payment of {$490.00} ( including sales tax ). the dealership had my driving license data and picture of my DL. They made a mistake and typed my zip code as XXXX, instead of XXXX. 

After a few days later I got a XXXX package from the same XXXX  dealership asking me to sign a new contract as they messed up the sales tax calculation on their part and zip code XXXX has higher sales tax than XXXX. So basically my payment should have been reduced not increased., but XXXX increased my payment. I have this newly updated contract with the corrected zip code and I submitted that to VW credit company. They are not willing to adjust my payment. I tried reaching to everyone in XXXX  customer care/ XXXX  XXXX Dealership but they failed to resolve this issue or not willing to honor my new contract which I have in black & white and signed. 

I have attached a copy of the contract for your review and take action against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had multiple miscommunications with the phone staff at Comenity Bank. After being directed to XXXX XXXX site from Comenity I was finally able to set up payment and was told it was set up on automatic payment after calling in on the next statement to find out why a payment wasnt being processed. At that time, I was buying a house and the lender made paying off the line of credit a condition of the loan file closing so we ordered pay off information and the amount given was a just under {$5.00} short of the actual balance. Without knowing it, I began incurring late fees and I had multiple calls where I asked for more information ( the payment collectors had none and the customer service reps couldnt explain what happened- at one point getting two different amounts from two different people in the same call. ) All of these calls left with unresolved problems until my time ( usually over an hour ) ran out and I had move on and start over the next time I had a signficant amount of time to call. At this point, my promotional period expired. This incorrect pay off amount had left a final bill of {$560.00} by the time I was able to sit down and insist on answers and an explanation of what happened. Multiple miscommunications are clearly documented in the call logs and the financials clearly indicate an attempt to pay this off and settle it multiple times. At no point, did I not have the money to pay for this but I wanted to know what I was being charged and why. The company also said on multiple calls " Technically our phone staff doesn't have to provide all the correct information because we mail you your statement which outlines it all '' They need to provide better payment systems, clearer information, and better trained staff. These payment collectors and call center reps know exactly how to listen, brush off, pass off, and confuse a person looking for answers until the person is so exhausted they just pay. 

It is my firm belief that my records illustrate a clear intent by this company to have complicated payment systems and poor communication in order to delay their no interest promotions outside their payment period so that they can recoup the 29.99 % interest. 

This issue has effected my finances greatly as I leverage my credit heavily for my business and my personal investments. I have reached out to Comenity Bank and XXXX XXXX  on every survey available and every customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Was charged late fees during COVID months XXXX- XX/XX/2020. Was told that they dont have a record of me calling in due to account notations. The first d Fee was {$27.00} the second and third fees was {$38.00}. I waited to hear back from a superior and the will not escalate their calls beyond the call center. The level of professionalism within this financial institution needs to corrected and redirected. I have been back and forth with the company and the foreign speaking representatives but have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OH

Complaint narrative:
I previously submitted a police report and a FTC report for identity theft. Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
Hello, I had a mortgage with XXXX XXXX XXXX  and was in a forbearance due to Covid ( My Husband worked for XXXX ). The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to SN Servicing effective XX/XX/XXXX. I received a notice from SN Servicing advising that the loan is in default. 
Called SN Servicing and was told the loan is due and they will not offer a deferment. 
Called XXXX and SN on three way on XX/XX/XXXX. Spoke to XXXX at XXXX   ( agent # XXXX XXXX and XXXX at SN ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that SN doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau . I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
My mortgage company, Dovenmuele, did not pay my home insurance premium. They emailed me on XX/XX/XXXX stating they were paid on XX/XX/XXXX. Today, XX/XX/XXXX, I received a past due notice with a late fee and a cancellation date. I called my insurance company in case the payment and notice crossed in the mail. They told me they received no payment. I then called the mortgage company and was told by the rep it stated it was paid XX/XX/XXXX in my file. She transferred me to the insurance dept. and I have presently been on hold for 40 minutes ( another norm with this company ). I even emailed them a reminder on XX/XX/XXXX that this premium was due, which I shouldn't have to do, but this company has been negligent before. I emailed them back and forth 6 times between XX/XX/XXXX and XX/XX/XXXX because they failed to pay my town taxes. again a late fee was assessed, which they eventually paid and apologized for, but this level of incompetence is unacceptable. I have all the emails documented. Please let me know my options. This company has been unbearable to deal with since the start. Thank you.

Company response to consumer: Closed with explanation