vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: KY

Complaint narrative:
I previously had phone service with XXXX XXXX. My bill was set up on auto-pay and was taken directly from my account each month. I switched phone carriers, which resulted in a final bill, which was paid automatically on XX/XX/XXXX. I have attached documentation to reflect this information ( my XXXX account was under a previous last name of mine ). 

For some reason, XXXX has repeatedly placed the amount for this final bill ( {$1000.00} ) with multiple third party collection agencies/attorney firms. I have disputed this several times and have even received confirmation that the dispute was closed in my favor. I requested a full validation of debt from the last agency that contacted me in regards to this. I received that validation of debt documentation on XX/XX/XXXX. This documentation clearly shows my final bill and the corresponding payment, reflecting a XXXX balance owed. Not only is this causing unnecessary stress, it is now negatively impacting me. I was recently denied credit because this is reflecting on my credit report and I also had to accept a car loan with a much higher interest rate than I feel I would have qualified for. I responsibly pay all of my bills through auto-pay because I care very much about my credit rating. I am very upset that this is impacting me so negatively and I was actually really embarrassed during the car buying process when this came up. I do not know what I need to do to get it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
IQ Data contacted me verbally and by letter on XX/XX/2018 concerning apartment rental balance {$5800.00} I informed IQ Data due to my spouse and I being separated I was not responsible for the full amount that's owed. XXXX at XXXX offered me half the debt at {$2900.00} if I paid a {$500.00} down payment. This payment was made but did not receive a letter with change in balance nor updated amount at {$2400.00} to all Credit Bureaus as paying as agreed. When I asked for this agreement in writing I was told that all calls are recorded and that's all he could do at this time. I'm very uncomfortable and would like the balance to reflect to Credit Bureaus and receive a letter by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
HYUNDAI MOTOR FINANCE DID NOT CORRECT PAYMENT DISPUTE AS PROMISED YOUR COMPLAINT On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XX/XX/XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XX/XX/XXXX was {$16000.00}, and after the XX/XX/XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XX/XX/XXXX to bring my account current, but my due date has still not been corrected. 

ATTACHMENTS Hyundai payment posting discrepancy.pdf ( 104.3 KB ) XXXX XXXX Hyundai XXXX ( 80 KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Hyundai Motor Finance requests additional time to research and respond to this complaint. 
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response *******Hyundai Motor Finance ( HMF ) has researched the account of XXXX XXXX and apologizes for any inconvenience. At this time, HMF has given proper credit for the payments made by Ms. XXXX and confirms that the next payment is due on XX/XX/XXXX. Any negative credit reporting related to this issue has been updated. ***************** DESCRIPTION OF NON-MONETARY RELIEF Payments were credited and credit report and due date updated. *********************

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a Capital One card for 10 years and paid it in full or close to it every month. Capital one cancels my card with no explanation. I call- they apparently don't have to provide me with an explanation. Fast forward year or two.. I get approved for the prestigious savor card with a {$500.00} bonus once you spend {$3000.00} in the first 3 months. I charge over 1,000 dollars within the first week and make a {$600.00} payment before the payment is even due- bam they close my account. Capital one will close your account if you pay your bill in full or make large payments that they are not earning interest on. It is disgusting. I have an XXXX credit score. I will never do business with them again. They don't want to give up the bonus nor lose interest. Last time I checked you were allowed to pay your bill in full. Unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have struggled to make my student loan payments for many years because I have not had a job that paid enough to make a student loan payment. I have talked to them about lowering the payments but every time they just defer it and that just added additional interest. For the past year I have made monthly payments, but over the year, nothing has been applied to principal, only interest and more interest has been added so that my original {$25000.00} now equals {$38000.00} with interest continuing to multiply. At the rate Navient is applying my payments this loan will never be paid off. They have been wanting over {$500.00} a month which is impossible to meet. I need some kind of help in getting my payments applied to principal instead of everything to interest and nothing to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
-My family and I have had repeated phone calls from XXXX ( an associate of GM Financial ) associate. We have spoken with them on the phone and they leave messages. I have no relationship with them now nor have we ever had any. They are contacting us trying to contact my Brother ( XXXX XXXX ), asking does if he lives here. We have told them repeatedly that he does not reside with us. The phone number they call from is XXXX. 

After listening to two separate messages they left, I noticed both people obscured the last couple digits of the number they left to return the call too by speaking fast. This leads me to believe the purpose of the call is purely harassing and they know the person they are trying to contact cant be reached at the number but assume by harassing us that we will contact him. Even if I wanted to, I can not and have not had contact with my brother for several years. 

On XXXX XX/XX/2019, I contacted GM Financial customer service directly and informed them that I consider the phone calls harassing and requested they stop having XXXX contact us. They said they would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.

Complaint narrative:
I contacted Citibank to dispute several fraudulent purchases on my Citi XXXX card. The amounts were {$10000.00} ( XX/XX/2018 ), {$9100.00} ( XX/XX/2018 ), {$100.00} ( XX/XX/2018 ), and {$620.00} ( XX/XX/2018 ). I am not sure of the date I first informed them of the purchases but it was within a month of the last transaction. 

Citibank investigated my dispute claims and ruled against me. Their main reasons were : 1 ) the total amounts of the fraudulent transaction was within 98.58 % of my credit limit ; it was too close to be considered a real " fraudulent '' purchase, nor considered a coincidence 2 ) the online account was accessed before, during, and after the fraudulent transactions occurred, My arguments against their reasons : 1 ) the fraudulent purchases were conducted in person in XXXX, XXXX. I submitted copies of my passport to proof that I was not in XXXX at any of the time of the fraudulent transactions 2 ) I use several online based account aggregation services and these services may have logged in to the Citibank website on my behalf. 

After reviewing my arguments and passports, they ruled against 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 monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank charged me an {$89.00} annual fee in XXXX associated with my XXXX XXXX XXXX credit Card. Several days later they notified me via email of changes to the terms of the card benefits and agreement and would not refund the fee that has already been paid. They charged me a fee and then did not fulfill the terms of the agreement associated with the fee. The Fee should be waived or refunded.

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 2019-03-09 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:
When renewing my federal student loan payment plan, XXXX presented me with the different repayment options. They failed to disclose that choosing a different repayment plan would capitalize about {$30000.00} in deferred interest. My student loans went up $ XXXX in a day due to a lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Opened American Express account in approximately XX/XX/2019. I have never used the card. On XX/XX/2019 received email stating " in XX/XX/19 ANNUAL MEMBERSHIP FEE Cover your annual membership {$250.00}. '' I immediately called American Express about this deceptive and hidden fee. I asked them to close the account and remove the fee. The fee was not due to be paid until XX/XX/2019.  They closed the account but the fee remains. I have never used this card. I have received no services from this account. The only charge on it is their outrageous {$250.00} annual fee. Once this charge was brought to my attention I immediately called and tried to resolve. 

Please have Amex remove this fee and discourage their deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Reliant Financial Corporation
State: IL

Complaint narrative:
XXXX XXXX,2019 reliant financial has a tow truck man repossessed my car at my home address the loan should be closed on my credit report now since they have there vehicle back they are a shady company I was paying XXXX a month not the XXXX that the loan was for they raised that price 10 days after I got the vehicle anyways they had the car repossessed they have the car now I want it to say closed on my credit report thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Received a letter dated XX/XX/19 with case number XXXX for a billing dispute of {$73.00}, dated XXXX/XXXX/19 with merchant XXXX. Specifically, the letter advised to call XXXX by XX/XX/19 due to needing some missing information. Be advised, that I called this number on XX/XX/19 at XXXX XXXX, EST time and was on the phone for 7 minutes, until I hung up. Since, overseas agents are used to answer calls, the agent wasn't competent enough to locate the case number. However, Capital One has been provided with the specifics pertaining to this dispute, someone unknown to me, accessed my online account at XXXX and impersonated me. The merchant has already shut down my online account out of an abundance of caution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: IN

Complaint narrative:
In XX/XX/XXXX I applied for and received an online loan from BlueChip financial DBA XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could I contacted the Indiana department of Financial Institutions, the Federal Trade Commission and the Consumer Financial Protection Bureau. It seems that XXXX is NOT licensed to do business in the state of Indiana, charges illegal amounts of interest and does not recognize federal and state laws. Tribal law does not supersede state or federal law especially since Im not a member of the tribe nor do I reside on the reservation. BlueChip financial also violates the federal law against, deceptive and abuseive practices. Which in turn means that my loan is NOT legal, NOT enforceable and it is NOT collectible. Upon receiving this information I contacted XXXX via phone and told them what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said that a case manger would look into this. I wasnt given any time frame or even the persons name. I then contacted XXXX XXXX XXXX- I spoke with XXXX , who said he was the manager, he was very rude and basically said that they have money on this account and I needed to pay. I advised him that the loan was ILLEGAL making it null, void and uncollectable but he insisted that this legal for them to report this to the credit bureau. I have since then filed disputes with the credit bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
While looking through my personal information through Experian I noticed that there were two mistaken addresses. I filed a dispute but when I check to see the results they werent removed. Ive never lived at those addresses and I do not receive mail there. They should have been removed. I did file another dispute and Im waiting on those results.

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 2019-03-09 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: Aargon Agency, Inc.
State: OH

Complaint narrative:
Aargon Colletion Agency XXXX Aargon Collection Agency reported XXXX late payments on my credit history, knowing in fact it was an error because they removed themselves off the report but not before removing the late payment history resulting my score lowing by XXXX points. This malicious and devious behavior is why I reported them to XXXX!!!! I even called customer service through XXXX  on XX/XX/2019 to have them explain the situation to me in which they verified on XX/XX/2019 Aargon Collection Agency reported XXXX late payments. I do not have games to play with this company. I would like them to remove the late payments off my record as it is there by error.

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 2019-03-09 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: OH

Complaint narrative:
Equifax had a data breach and my ssn was sold on the black market. I have a fraud alert on my account, they refuse to process disputes about my fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX Credit card by synchrony financial. Refuses to give me my earned cash back twice! I have gone in person with my attached letter credit card that I use and my drivers license. When I spoke with XXXX and Synchrony who was beyond rude she told me that my credit card was invalid even though I use it daily and the number matches my award. She said that I had a new card mailed which I never have had. I believe this is a scam because they do it once a year and dont have the finances to pay everyone their earned cash. They told me a new card will be sent and to try again which means I have to go back to XXXX if they ever send a new card.

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 2019-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
This complaint is regarding Private Mortgage Insurance ( PMI ). not an option of the radio boxes. 

In XX/XX/XXXX I sent a letter to Lakeview Loan Servicing requesting that PMI be stopped at 80 % Loan to value. My loan achieved 80 % XXXX  in XXXX. They responded with a letter stating that I needed an appraisal and a 75 % XXXX. I had checked the CFPB website as well as speaking with the mortgage company that sold us the loan. My understanding is that PMI should be stopped at 80 % XXXX  and must be stopped at 78 % XXXX. Apparently Lakeview Loan Servicing is not aware of this regulation. Our home was assessed at the time of refinance and valued at {$360000.00}. Loan is up to date. 

On XX/XX/2019 at XXXX XXXX I spoke with an agent of Lakeview Loan. He told me that my loan a conventional mortgage has the PMI come off at 75 %. ( Lakeview Loan claims to record phone conversations ; it may be possible to request a transcript ) I spoke with XXXX. 

Current state of our loan is : ( as of XX/XX/2019) Current Principal Balance {$280000.00} Current Interest Rate 2.87500 % Payment Amount {$3500.00} Property Value {$360000.00} Please see CFBP pdf document : XXXX XXXX XXXX page XXXX, in at least one examination, CFPB examiners noted that a servicer incorrectly applied an investors 75 % PMI cancellation XXXX threshold to the original value of the property, instead of the 80 % XXXX threshold required by the HPA

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