vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
In XXXX, we purchased a townhome in XXXX, VA for {$500000.00}, with {$99000.00} down payment. We had financed {$400000.00} at XXXX year ARM of interest-only loan at 5.00  % interest per year. 

In XXXX this loan was modified under Obama administration to Step-Modification. 

XX/XX/XXXX - the Loan was refinanced @ 4:00 % for 1 year XX/XX/XXXX - &@ 4.980 % for rest of 29 years, till Maturity date of XX/XX/XXXX. 
Making it a Conventional 30 years mortgage at 4.980 %. 

Loan modification documents say that the interest + principle to be paid for amount of {$1600.00} per month. 

we have been making payments without missing a single payment for the life of this loan. 

The Issue We believe that the mortgage companies have NOT applied proper distribution of interest & principal over the life of the loan. 

In XX/XX/XXXX, the mortgage distribution had applied {$22.00} and {$1300.00} and the balance of the mortgage left on the home was XXXX After 10 Years of paying Principal in XX/XX/XXXX, the mortgage distribution had applied {$77.00} towards the principal and {$1500.00} for interest and the balance of the mortgage left on the home was XXXX If this is a 30 year conventional fixed loan 4.980 % & all the documents that i have say it is, my principal should have reduced significantly more in past 10 years than just {$11000.00}. 

The question to mortgage company is why isn't my principal payment applied correctly. 

When i call the company they say : Trust us, in few years you should see more towards principal but they are NOT willing to provide " Truth in Lending '' statement for modified loan, or any Amortization schedule for any future payments. 

I have already paid approx. {$190000.00} in interest over past 10 years. Even after paying 10 years, we have no equity built in our home. It seems that that interest portion of the mortgage is withheld at a lot higher percentage than it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged {$200.00} due to a promotional balance expiring while I was in a financial hardship due to Covid-19. I was under the impression that though interest would accrue on regular purchases, promotional periods should have been extended during this unqiue and tough time for customers. 

On XX/XX/2020, I sent a message requesting Covid-19 assistance and to inquire about the extension of the promotional period for a promo balance that expired XXXX and had a balance left of {$93.00}. Despite my hardship during this pandemic I managed to make a payment of {$94.00} by XX/XX/XXXX and was advised XX/XX/2020 that if I had a deferred interest promo expiring while I was receiving Covid-19 assistance the promotional term would extend by 2 months. With most creditors there is often a 30-day grace period given after a promotional balance expires to allow the customer to get it paid off within one month and avoid the bulk interest, which I inquired about as well. 

After SEVERAL weeks that has now turned into now 5 months of trying to correspond with them we have not come to a resolution. I keep getting generic form messages that don't address the questions I've asked, or the answers do not acknowledge the fact that I DID pay off the balance within 30 days of the promotion expiring WHILE " supposedly '' being approved for 2 months of Covid-19 assistance AND may have been charged interest ON interest because it's unclear if the interest I've been charged since is based solely on the purchases I made in XXXX or on the total balance due, of which {$200.00} of that is interest from the promotional balance.

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 2020-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This is the second complaint filed with CFPB against Ally Financial for call harassment. Ally Financial still calls to harass me by placing the calls to my phone numbers constantly since the year of XXXX. These calls are meant for another person with whom I have no association. These calls are for debt collection for automobile loan that I have no association with Ally Financial. On or around XX/XX/XXXX in the nighttime, Ally Financial damaged my phone device by awakening me from sound sleep to its call. I stumbled as reaching for my phone device thinking it was an urgent call and it fell off the table and hit the floor broken. My phone device is a special equipment for the deaf that takes or makes TTY calls. I was without this phone device for three weeks which was agonizing me. 
On many occasions during call harassments, I notified Ally Financial of the wrong numbers and call harassments must be stopped by speaking the representatives, sending certified mail, and entering the information on Ally Financials automated system. Most recently, on XX/XX/XXXX I spoke with a representative of Ally Financial at XXXX and her name is XXXX. I informed her of the wrong numbers and requested that calls be stopped. Unfortunately, Ally Financial never cease calling to my phone numbers afterward. 


Ally Financial places multiple calls from different numbers which makes it difficult for me to block the calls each month. Ally Financial manages to reach my phone numbers by using many different numbers as following : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX These calls made by Ally Financial to my phone numbers are ongoing call harassment as far back as the beginning XXXX. The calls come in 4 or 5 times per day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. In addition, I receive multiple voicemails left to my phone numbers from Ally Financial. 
The voicemails would often state : This is Ally Financial XXXX Inc. calling for XXXX (? ) XXXX. Please call us at XXXX as soon as possible. Again, our numbers are XXXX XXXX OR Message for XXXX (? ) XXXX my name is XXXX calling from the office Of Ally. It is important for you to call back today at XXXX. We are Open from Mondays to Sundays XXXX XXXX to XXXX XXXX Eastern Standard Time. 

My efforts of stopping the call harassment were of no avail now that It has been over 5 years, Ally Financial viciously calls to harass me knowing that they got the wrong numbers.

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 2020-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXXXXXX University - XXXX, XXXX ; XXXX I was furloughed without pay in between XXXX and XX/XX/2020 due to COVID ( letter attached to support this claim ). During this time, I missed a couple of payments with UAS because I was very stressed about eLearning for my school-aged daughter, fighting with Florida 's unemployment system ( which is terrible and frustrating ) so that I could pay bills and have food on the table, and a death in the family. UAS does not offer any sort of " Your Payment is Due Soon '' or " You Missed a Payment '' messaging. They only send emails stating, " You Have a New Document Available. '' Every single other creditor sends me a message about payments coming due. This helped me manage all of the other bills and I was not late once on any others. Due to the stress and financial implications of COVID, I feel that all creditors should give some grace. The federal loans got this right. But, the holders of Perkins Loans feel that they must penalize Americans during these uncertain times. With their reporting of this late payment, this dropped my credit score 75 points. In addition, they charged hefty late fees. I paid all of it up to date on XXXX and a few days later was I was rewarded for this with a 60-day late payment mark with the credit bureaus. I have not been late with any creditors for over 2 years and I was trying so hard, but then COVID came. I feel like all creditors need to have some grace. UAS feels that they can be predatory because the federal government hasn't mandated that they give borrowers some grace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America failed to reverse a transaction for which I did not receive services promised by merchant. 
XX/XX/2020 for {$32.00} is being disputed by me. 
Merchant changed the terms of the agreement without sufficient notice making it not possible to use their services. COVID related situation. Merchant is charging for services they are not delivering. 

Bank of America promised to help resolve this matter and failed. I am being punished financially due to COVID related issues and mandatory shutdowns. 

This is theft.

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 2020-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: LA

Complaint narrative:
Carmax did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Activehours
State: PA

Complaint narrative:
I can not connect Earnin app to my XXXX XXXX. XXXX XXXX  said to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CT

Complaint narrative:
I received a letter from JP Morgan Chase dated XX/XX/2020 stating that they have decided to not open an account for me. I never applied for any " account '' with JP Morgan Chase and there is no phone number to contact anyone. The mailing address on this letter is also incorrect which leads me to believe this may be fraud. This is very concerning and I do not want my credit affected. The letter states that they used my credit score in making their decision and I should contact XXXX and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently closed an IRA CD at TIAA Bank. I want to roll over these funds into a company-sponsored 401K plan. TIAA bank will not supply me with a Distribution Statement which is required when rolling over a tax-deferred IRA. They have sent me a check, but no other documentation. I have contacted them repeatedly, and they just keep telling me that it is in process. I can't roll these funds over until I receive this statement. TIAA bank should be investigated for extremely poor customer services, and failure to supply IRS-mandated paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
This company was informed that I have no knowledge of this account. The company failed to validate the account. Company was notified immediately. They failed to do so and began to report on my credit causing a negative rating. They also put the wrong date on the letter that they sent. They have XX/XX/2020 as the date of initial contact which is a lie. I just received this letter. This company is doing illegal activity. Multiple violations of the FDCPA AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I reached out to Navient for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased 90 points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit 100 points and due to their error my credit score is paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had an existing credit account with Chase and logged in online to confirm a XXXX   balance. In my account there was a notification that I was already approved for a Chase Freedom rewards card, not pre-approved, already approved. This offered {$200.00} cash back if you spent {$500.00} in the first three months and 1.5 % back on all purchases. Wow! 

I confirmed my address and my current salary and received confirmation that I was approved! Huh, approved for the account I was already approved for? Also received immediate notification of a new credit inquiry on my credit report. I immediately called Chase and complained. They refused to remove the credit inquiry verbally explaining to me that initial notification of approval is based on a soft credit inquiry performed by them XXXX without my consent ), that it was a pre-approval. In good faith, I acted on information provided to me by a company that I had an existing account with, information that was a lie. I was not already approved, I was pre-approved. I was so upset that I cancelled the new account and my existing account immediately. 

My dispute is the using of deceptive advertising practices in my existing account to lure me into making an uniformed decision that negatively impacts my credit score with a newly opened account and credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I have asked repeatedly since 2018 for NFCU to close my account which they refuse to do. Now I am being threatened by XXXX XXXX, XXXX, Membership, with being dunned an inactive fee. They don't seem able to just close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I'm trying to use my Barclays XXXX XXXX with a merchant. I've literally tried making a purchase XXXX dozen times. When I talk to the merchant they say its the credit card company that is the problem. When I call XXXX XXXX 4 times now, including the most recent attempt where I talked to a very nice supervisor ) they say its the merchant. Something needs to be fixed and I'm coming to you, CFPB, because in past experiences I know that these complaints get elevated to a level where I get the attention of someone who has the visibility to cross the many Bank divisions to solve problems. I'm simply trying to use Barclays more. And actually make a purchase at a vendor who accepts XXXX. That's all.

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 2020-08-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to XXXX for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased XXXX points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit XXXX points and due to their error my credit score is paying for it.

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 2020-08-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already  done to my financial future.

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