vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 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: NC

Complaint narrative:
Ive been a victim of true name fraud and ha had gotten most of the issue resolved. Experian has refused to remove the items even though I have given them documents from the other credit reporting agencies. Ive been disputing these issues for a few years now. The accounts are XXXX XXXX, XXXX XXXX, and XXXX   XXXX. I dont know what these are and want them gone. There are also the addresses of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never been affiliated with these addresses. There is also 30 different variations of my name on my file that they wont take off. And also a list of inquiries that I dont even have an opinion to request a dispute.

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 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: NC

Complaint narrative:
Carmax has reported me late several times over the course of my loan. I would like them to validate and prove all reported lateness. During the course of my loan, carmax failed to send my monthly statement, and changed my due date several times, without me  knowledge. I want all of the unsubstantiated late payments removed from my credit report, all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a checking account with Regions bank. My debit card information was compromised. This occurred on XX/XX/XXXX. Charges at various stores with my information were made, totaling in excess of {$1800.00}. I contacted the bank on XX/XX/XXXX, the earliest I was able to do so. They told me they would conduct an investigation and consult with me during its progress. Today, XX/XX/XXXX, I contacted the bank to see what progress was being made. They have already denied some of the claims, and did so without consulting me or asking me further questions. For example, they denied me my claim of a fraudulent charge of approximately {$220.00} at a XXXX XXXX XXXX. I have no kids. I have never been inside of a XXXX XXXX XXXX. There are other charges, such as over {$500.00} at a XXXX, a make-up store, as well as at a XXXX. I have never been to an XXXX. What's more, my workplace can show via video and time cards and the witness of my co-workers that I was working on XX/XX/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 2019-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted my mortgage lender, Wells Fargo Home Mortgage to request a loan modification. I am in a Chapter XXXX bankruptcy. I am current on the post-petition mortgage payments, but I would like to modify the loan because I want to bring the loan current so that I do not lose my home because I am not able to sustain the bankruptcy payments so it will eventually dismiss. After getting the approval of my BK Attorney, XXXX XXXX to speak to me regarding my loan, WFHM took me through a series of questions to determine if I was eligible to apply for the modification. They advised me that I was and began to collect my financial information ( i.e. income and expenses ). They quickly denied my loan modification request, when I asked why, I was told it was because I was in bankruptcy. I asked for more details, they could not provide. I do feel that this is a mishandle of my loan which could cause me to loss my home to foreclosure. How can you approve me to apply for a loan modification while in bankruptcy and use the bankruptcy as a reason to deny it? I want this investigated as I believe my loan modification request has been handled negligently.

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 2019-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
LYING TO CONSUMER FORECLOSING WITHOUT NOTIFICATION I WAS TOLD NO FORECLOSURE WAS OCCURRING AS NATIONSTAR WAS INVESTIGATING A FRAUDUKENT LOAN THAT HAD FALSE LOAN APPLICATIION, FALSE ESCROW DISCLOSURE, FALSE LOAN PORIGINATION PACKET AND ESCROW EMBEZZLEMENT WHEN THEY DECIDED TO PRETEND LOAN FRAUD WAS NOT ILLEGAL ... AT THE GUIDANCE OF XXXX XXXX / XXXX XXXX ..THEY ILLEGALLY FORECLOSED ON OUR HOME. WHEN WE GOT THAT REVERSED ... THEY KEPT THE FPOORECLOSURE ATTORNEY FEES ON OUR ACCOUNT AND HAVE REPEATED STOLEN PRONCIPAL WITHOUT CREDIT. COPY OF EMAIL FROM XXXX ... ADMITTING THEY FORECLOSED BEHIND OUR BACKS. 
IN ADDITION ... THEY WERE NOT MAILING MONTHLY STATEMENTS DURING THIS ATTEMPTED HOME THEFT. 

******COPY OF EMAIL # 1***** XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX IN WRITING YOU STATED " ALL FORECLOSURE EFFORTS WOULD BE STOPPED '' AS THE INVESTIGATION CONTINUED. 

TODAY I AM ON THE PHONE AND THEY CAN'T TAKE THE PAYMENT ... BECAUSE IT IS AN ACTIVE FORECLOSURE!!! 

25 MINUTES LATER ... STILL TRYING TO PAY ... NO CUSTOMER SERVICE XXXX XXXX *****COPY OF EMAIL # 2***** XXXX XXXX XXXX To XXXX XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX There is a foreclosure Code on the account. But the Foreclosure is actually on a hold status. 

XXXX XXXX Customer Relations Manager Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX O : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am sending a request for complain for my car loan because over the past months I have been making my regulatory payments,but my car loan has been charging me fees after fees. The credit sale contract was from XX/XX/XXXX-XX/XX/XXXX and I was suppose to finish paying off the car by the end of last year. They send me a notice of intent to repossess my car that if I don't pay by the amount of $XXXX by XX/XX/XXXX they will repossess the car out of the other amount of fees that add up to $XXXX. The name of the car bank is called Santander. If I've been making my payments and the car bank has been charging me fees over the past months I think it can be a fraud. I'll like for whoever reaches this complaint to investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
They recieved proof of payment and are now asking for this again they also want proof of the payments made in house. They have not updated the statement and given the corrected statement showing the corrected balance removal of all interest as well as any late fees or false statements about money still owed On balance that was paid for which proof was previously submitted. I will be resubmitting the following documents

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 2019-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA Compass stole $XXXX  dollars as a maintenance fee on their free savings account.  In doing so, they also stole the $XXXX bonus that I was meeting the requirements for on the same account.I requested BBVA Compass' assistance to help fix this problem, but they haven't even bothered to respond to me online, and they keep hanging up on me when I called in the last three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
INTENT TO DRFRAUD US GOVERNMENT / INSURANCE FRAUD AND CONSUMER FRAUD SPECIFICALLY PMI FRAUD IN A RECENT CFPB REPLY NATIONSTAR/ MR COOPER STATED MY HOME IS AT 87 % LTV WHEN IT IS ACTUALLY 57 % LOAN TO VALUE ... I AM A XXXX THESE LIARS NEVER DID AN APPRAISAL SO I KNOW FOR A FACT THEY ARE GUILTY OF SYSTEMATIC INSURANCE FRAUD. ***EVEN IF IT IS JUST THIS ONE CASE ... I WANT THEM REFERRED TO THE FBI FOR PROSECUTION AND FINED FOR LYING TO THE CFPB ON THEIR OFFICIAL RESPONSE****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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:
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX  - XXXXXXXX - XXXXXXXX - Transunion and XXXXXXXX XXXX - XXXX and XXXX XXXX - TransunionThese accounts are a result of fraud.

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 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX my Equifax score was XXXX. 
On XX/XX/XXXX my Equifax score was XXXX. A drop of 22 points. 

There were only 2 changes to my Equifax report : an improvement of {$2600.00} in my XXXX balance, and an improvement of {$400.00} in my XXXX XXXX balance. 

What happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: GA

Complaint narrative:
I have two major concerns about XXXX XXXX XXXX. When I attended XXXX University, the financial aid office and XXXX XXXX misrepresented that XXXX XXXX is a government loan, similar to your typical federal loan. After I graduated and during the repayment period, I learned that XXXX XXXX XXXX is a private loan and lacked the similar protection or assistance federal loan provides. Thousands of students take loans out from this institution, and based on my personal experience along with other fellow XXXX classmates, we believe we were mislead by the institution. 

Secondly, XXXX XXXX XXXX or HESSA  wants all the borrowers to sign or agree to a privacy terms and conditions, which is prima facie unconcionable. The terms basically states that the borrowers must agree to these terms or else the borrower can not make the payments needed to XXXX XXXX. The terms dictates that the borrower basically has no rights to any remedies and warranties, and borrower agrees that XXXX XXXX   and  HESSA will not be liable for anything, whether direct, indirect, consequential, etc. 

This is unacceptable and abusive of power and authority. I get this gut feeling that these terms and conditions and how XXXX XXXX is forcing current borrowers to agree to this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Commonwealth financial is the collection company.  Original creditor was XXXX XXXX XXXX XXXX XXXX.the original bill was dismissed says “No Charge left without treatment” That was 2 separate visits on XX/XX/2015. Amount was $XXXX each.both dismissed. But somehow collection company got this bills and debt went to credit report. I disputed but keeps pop up with different collectors. I called XXXX XXXX they said will delete both accounts with $XXXX.I paid this amount but they only delete one account. Account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: TX

Complaint narrative:
XXXX from XX/XX/XXXX on one patient and XX/XX/XXXX on the other patient. Two XXXX bills and one XXXX XXXX bill sent to collections without written notification or any notification for that matter. We have been making monthly payments on all three accounts and all of a sudden they were sent to collections without notice. The monthly payments varied when my husband lost his job but payments are still being made consistently. No notice was sent to put on a payment plan to pay the bills down to avoid collections. Phone calls have been made numerous times and messages left with XXXX XXXX XXXX XXXX with no return calls. No one ever answers the phone in their billing department. XXXX. A message was sent online recently and still awaiting a response on that as well. Two of the accounts are with XXXX XXXX XXXX and one is with XXXX XXXX XXXX XXXX. They are all out of XXXX XXXX XXXX XXXX. I did speak with XXXX XXXX XXXX this morning and they are looking into the account. XXXX XXXX XXXX XXXX is my biggest complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I used XXXX to purchase concert tickets through PNC and it turns out it was a fraud. I contacted PNC and they told me there is nothing they can do about it. The transfer was still pending and they couldn't stop it. I sent {$170.00} and PNC just told me " oh well ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have been Citizens Bank customer since XXXX, when it was XXXX XXXX, when I was living in XXXX for 13 years. I moved to XXXX in XXXX. I still kept my Citizens Bank accounts open. 

On XX/XX/XXXX, I was contacted by Ms. XXXX, a CSR at XXXX XXXX XXXX branch and notified me of {$9.00} charges against my account. Not sure when but a long time ago I maintained required {$1500.00} balance to avoid account service charges. And I believe at that time I also signed up for the electronic statements. Until then I used to get account statements as well as reactivation of the dormant account forms via physical mail. Since activating electronic statements, the system stopped sending me dormancy status mails via physical as well as electronic means. It looks like there was a charge against the account for dormancy status and was levied against the account thereby reducing the required balance below {$1500.00} mark. That triggered charging {$9.00} each month until now. This has totaled to around {$800.00} charged against my account. 

In XX/XX/XXXX I obtained a student loan for {$90000.00} for my daughter at Citizens. At that time I was told that I will be an active account holder for all my accounts. I did not know that my account has been levied the account service charges in past as well as in continuum. It is interesting that after the dormancy status, the consequent service charges were taken as activity in the account further remedying dormancy. I am not sure why a non-voluntary activity such as auto-debiting {$9.00} per month will avoid dormancy status. 

When I complained, the supervisor was kind enough to give me 6 months of service credit. He sympathized about my situation that I had no way of knowing of dormancy status and the subsequent charges, however he was not able to further help and directed me to write to the office of the chairman. 

On XX/XX/XXXX I sent a letter to the chairman 's office and I got a call on XX/XX/XXXX. The rep from chairman 's office was willing to give extra 3 months of service charge credit, while I was asking for all of the service charge refund. She stated that not sending the dormancy letter by physical mail is not bank 's error. Otherwise if it was bank 's error then they have a policy to refund completely. With not getting a resolution of this matter after escalating it to the highest point I could go, I am contacting CFPB to look in to this matter. I am sure there may be more such cases with Citizen 's Bank. 

For now I have replenished the balance back to above {$1500.00} in my account. Please reach out to me on my cell phone so I can further discuss this matter with you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 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: Garcadia Financial LLC
State: UT

Complaint narrative:
On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: TX

Complaint narrative:
I had a medical bill from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The medical date has been paid and I have the canceled check to prove it. They send my account to collections to SUBURBAN CREDIT CORPORATION XXXX XXXX XXXX, XXXX, Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I had two charges for a " Bronze Package '' maintenance from XXXX XXXX XXXX, XXXX.The first charge of {$240.00} was for the " Spring '' check and repair of a leaking air conditioner, and I was told the second charge of {$270.00} was pre-payment for the fall or winter check. I also paid and additional {$200.00} on XX/XX/2018 for addition of " XXXX '' refrigerant to the air conditioning unit. On XX/XX/2018 the same air conditioning unit began to leak again. I called XXXX XXXX XXXX XXXX. and requested immediate action due to this recurrent issue. A technician came and repaired the unit again and attempted to charge me. I informed him I would not pay for this same issue and that I had purchased a " Bronze Package '' and showed him my invoice. He saw my invoice, agreed with me and said he would " take care of it '' and left without payment.

The next day I saw a charge on my Chase Freedom credit card for {$310.00} that I did not authorize nor provide a signature for. I called Chase to inform them of this unauthorized charge as it was still " pending '' the representative advised me to wait as the charge might reverse. I informed the representative that I did not authorize the charge and that I had never authorized the company to retain my credit card information.

The charge did not reverse and I was charged {$310.00} as above. I called Chase and the representative made a conference call with XXXX XXXX. The XXXX XXXX " office manager '' stated I did not purchase a service package and did not provide any explanation of the two charges on XX/XX/2018. She further refused to send an itemize invoice despite the fact that I was charged for " refrigerant '' on the XX/XX/18 invoice and was not informed about any need for refrigerant as I had spent {$200.00} on " XXXX '' refrigerant above. She then hung up the phone on the representative and myself. The Chase representative did not make any further attempts to assist or explain and stated the charges would stand.

I subsequently made multiple calls to Chase regarding this issue and spoke to " manager '' level representatives who told me that a company can keep my credit card information without my consent and charge me and that Chase does not prevent this type of information theft. Finally I spoke to a Chase representative who agreed the charge should not have occurred. Per her request I sent additional information on XX/XX/2018 including the two invoices of which the XX/XX/18 invoice had someone else 's signature and the XX/XX/18 invoice that had no signature.

Within a few days was told the charges still stand without explanation of any additional " review '' that was performed.

Company response to consumer: Closed with explanation