vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TN

Complaint narrative:
On our Discover credit card, my husband and I owed {$280.00} by XX/XX/2019. I have a recurring payment set up with our bank 's bill pay for {$200.00}, which went out on XX/XX/2019. At the time, I did not realize that the payment should have been {$280.00}, rather than {$200.00}. I always try to pay more the minimum each month, and I have never been late on a payment. Discover contacted my husband on XX/XX/2019 by phone. They were attempting to get him to pay, not only the {$82.00} that we were behind, but they also wanted the XXXX payment that was not due until XX/XX/2019. He doesn't do our budget so he told them that they would have to speak to me. He did not give them our bank account information over the phone and authorize a payment. He called me and told me about the situation, and asked me to take care of it. I immediately went online to look at what we owed, which was have been {$82.00}. Because I like to pay more than the minimum payment each month, I decided to make a payment of {$250.00}, which was made on XX/XX/2019 through Discover 's internet payment option on their website. Until then, Discover did not have our bank account information so they would have been unable to process a payment. On, XX/XX/2019, I was traveling, and I started to get epay alerts for overdrafts in my bank account. When I checked my account, I realized that Discover had withdrawn an additional {$360.00} dollars from our bank account on XX/XX/2019, which caused us to go into overdraft and be charged {$36.00} every time we use our card. We contacted the credit card company immediately to ask them to remedy the situation. Because my husband is the primary on the account, the hour that I spent on the phone with them getting passed back and forth and repeating my story counted for nothing. My husband called and spent another half our talking with them, then I had to call them and spent another 45 minutes repeating our story and getting transferred to different people before they said they would investigate the situation. I am now waiting for a response from them which they said would take up to 48 hours. Meanwhile, not only are we out the {$360.00} dollars that we had earmarked for our travel, but we also have hundreds of dollars in overdraft charges. Please help us recover our funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was very upset to learn that Citi is stripping almost all the insurance from its credit cards for things like trip insurance and return protection - even for new cardholders. They sold the card I was recently approved for with this insurance - such false advertising! They should not be able to sell you one product then just give you another. This really reduces their card 's value - almost all my other cards have at least some of the benefits they have stripped away. It is a move that will enhance Citi 's profits while severely harming consumers and should be looked into by the CFPB.

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 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. 
I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. 
Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( e & f ) and continued to charge PMI. 
I spoke with a customer service representative who indicated that I needed to request PMI removal in writing. 
Though federal law does not require it, I requested PMI removal and a refund of the 4 months of PMI collected in violation of the law. Suntrust replied that my PMI was cancelled and refunded the partial payment for the balnce of the month requested. 
I followed up with a request for a refund of the previous 4 months of PMI collected after the loan was below 78 % LTV. 
My attorney has also requested a refund of the PMI. 
Suntrust has so far refused to refund the {$400.00} I am due. 
After researching similar issues on this website, this seems to be pervasive for Suntrust to illegally collect PMI in violation of federal law. 
The consumer finance investigator may want to look into whether Suntrust is not removing or refunding PMI purposefully and behaving in a predatory manner.

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 2019-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Check # XXXX was made out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) to pay rent at XXXX XXXX, a Congregate/Level II SRO program. Resulted in a negative balance of XXXX. An insufficient fund fee of XXXX was applied to my account on XX/XX/2017. I lost my XXXX and federal tax refunds ( XXXX issued on XX/XX/2017 and XXXX issued a week later ). An extended overdraft fee of XXXX was applied to my account on XX/XX/2017, being my balance to XXXX. The bank violated a federal rule that states that if my direct deposit to my checking account comes from the Social Security Administration ( My SSI benefit payments are direct-deposited into my checking account monthly ), that no institution other than the federal government can take any funds out of the checking account to recover a debt. Also, I never sign up for overdraft payments ... meaning that if my account doesn't have enough money to pay for purchase or pay a bill, the bank will cover it but customer must pay back the money within a short amount of time. So much money was taken away from me in fees, which I want reimbursed back to me asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28 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: NY

Complaint narrative:
Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of XXXX granting the XXXX payment extension. Also attached is a XXXX bill showing XXXX receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached XXXX refuses to provide the details of its {$280.00} interest calculation. XXXX refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.

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 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Keep getting phone calls regarding a debt owed to " XXXX ''. Have never had an account with that company. The calls are always an automated call leaving another phone number to call. They call six to eight times a day using different numbers. Have blocked the numbers and they still continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Related to Complaint IDs XXXX and XXXX attached is a XX/XX/17 voice recording of Honda granting the 60th payment extension and XXXX notice. Also attached is a XXXX bill showing Honda receiving the promised XX/XX/2017 call and never returning this call to make a payment. Also related to attached Honda refuses to provide the details of its XXXX interest calculation. Honda refuses to honor the attached NYS mandated recall and its recall notices. Satisfactory loan servicing also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I noticed that my daughters student loan was listing me as the individual owner of the loan. I have not attended college and was only the cosignor for her- To date nothing has been done to change this nor remove it until it is accurately reported. It was reported to TransUnion and should not take this long as I have not and do not attend College I am only the father of the child who did and she applied not myself.

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 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I went with company spent alot of money and only one of my debts were cleared, i gave XXXX a month for over a year. I talked a gentleman he said is there any money that they keep on hand, so i called and nothing was done, so i still have alot of debt and thought most of it was handled with freedom debt relief, not sure what has happened but i know i spent a bunch of money, i dont want to get anyone in trouble I just want my credit score back and money what is owed to me thankyou XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been trying to close my Fathers IRA account. 
I have been in contact with the Bank multiple times, begining in XXXX, after my father died. I am the executor of his estate. The banks forms have been filled out, at the local branch to insure no problems. The forms were sent to the Banks IRA department along with death certificate and paper work showling me as the executor. 
I have returned to the branch multiple times between XXXX and XXXX. 
Each visit results in another minor issue or question being raised and answered, always ending with their assurance that the check will be in the mail. Now going on eight months, still no check. 

The account is going thru probate, because the bank failed to process the transfer on death paperwork. This paper work must go thru the banks IRA department, a very incompentant department. Other accounts with the bank transfered on death. 

This is my second complaint on the same account, the first time I maid the complaint, their reply was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

Their customer is dead, they don't reconize me because they are incompetent. 
They are sitting on this IRA, they never call me to say there is a problem. 
I believe they slow walk these account closing request on purpose and should be investigated. I made multiple trips to the banks branch, 1 hour away, and still after 7 months, hear nothing but excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: CA

Complaint narrative:
I paid my credit card on XX/XX/2019 the payment due on XX/XX/2019 I paid this card off in full than I get a notice on XX/XX/2019 that I owe XXXX interest I called on XX/XX/2019 to get this fixed they refused to fix this matter, I paid them all that was owed on this account on XX/XX/2019. This is Capital one bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This happened with Chase. I was in the process of moving and missed two payments which i promptly paid the day after. Since i was late a second time because of the entire moving process they said i was late past 30 days which was false. This was for the statement of XX/XX/XXXX and XX/XX/XXXX. I would like this corrected or to be removed entirely. I have not missed a payment since and the derogatory mark is messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX. Attempted to call as well as go online to their website to request a payoff amount for my mortgage. 
It is impossible to reach someone via phone ... I waited for over 45 minutes ... they have wait call times that are excessive, you get cut off and have to start all over again. 
I attempted to handle it via their website and have had no response from them other than they received my request and if I resubmit, it will only delay the process. I requested a payoff letter via email on XX/XX/2019. 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 2019-07-28 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: NC

Complaint narrative:
Received and alert from Equifax. Logged in to check it notice my credit limit had increased from XXXX XXXX. Did a credit score update it went from XXXX to XXXX for no reason and when I called XXXX he stated that it was because I filed a dispute. I explained to him that disputes don't drop your score. I repeated this with XXXX, XXXX, XXXX, and XXXX who added that a balance with XXXX XXXX  may have caused it. I requested to speak with a manager. No manager would speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
my mortgage company has since 2017 ( this is the 3rd year ) at this time, has been trying stick it too me with a approximately 2500 increase roughly 250.00 monthly increase mort payment, because they somehow XXXX up my taxes, my taxes have always been payed on time, ( XXXX clerks office with verify this ) https : //.freedommortgage.com/mtg/loan/ has been harassing me since 2017. i file a complaint thru CFPB every now, Freedom mort always tell me there sorry for my inconvenience and it wont happen again ( total XXXX ) i have ask them to keep this file on record, but obviously they dont! so here we go again! i need to stop this insanity with this company, i have requested them to sell my mort to some else but not! now i have to pay this increase of $ $ this month so i wont get bad credit, but they always reimburse me and apologize and say it wont happen again. 
should i get a lawyer and sue them, do i have a case here? my other complants you have on file 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 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The USAA Cashback Rewards Plus American Express is a credit card issued by USAA. It says you should get 5 % back on military base purchases. For example, at the XXXX ( military grocery store ). I got this reward until mid XXXX 2019 since I opened the card in XXXX. However, suddenly I stopped getting it and then started to only get 2 %. I had not reached the {$3000.00} limit for rewards yet. 

This is false advertising. I called USAA and they said they have no control over the merchant codes. However, this is unfair. Regardless of the merchant codes of the XXXX, I should continue to get my 5 % cashback. Shopping for 5 % at the XXXX is one of the main benefits of this card ( a place that military shop very frequently ) that has suddenly been taken away. 

See attachment for evidence : XXXX XXXX stopped getting 5 % back around XXXX XXXX XXXX XXXX XXXX stopped getting 5 % back in XXXX XXXX XXXX XXXX never got 5 % back which is particularly egregious because it was a military clothing store at XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville collection received notice of my written dispute in the 30 day time frame to send the debt back to original creditor as I dont know anything about this debt. I contacted the better business bureau and they confirmed their fax for me. They failed to send back to the original credit and instead illegally reported the debt to all 3 credit bureaus which each is a major violation. I demand immediate removal of this credit reporting to all the credit bureaus immediately. I have filed this complaint with the CFPB as an additional measure for this willful violation of disregarding the law. 


Here is a transcript of the fax sent to them. 

From : " XXXX '' XXXX Date : XX/XX/2019 at XXXX XXXX  MDT To : XXXX XXXX XXXX Subject : Your fax to Bonneville Collections has succeeded Dear XXXX XXXX, Your fax to Bonneville Collections at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time on XX/XX/2019 Your fax included 1 page of coversheet with your text and 1 page of attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
RE : LoanCare Acct # XXXX or XXXX Acct # XXXX A few months ago, LoanCare took over servicing my XXXX XXXX. Since this transfer, I have been receiving constant mail communications regarding my account being in default. 

In 1st week of XX/XX/2019, I spoke to a phone representative and confirmed with this representative and that they would take care of these issues. The representative stated that these were their transition issues and that they would take care of it and post my XXXX and XX/XX/2019 payment to my account. 

In early XX/XX/2019, I spoke again to another LoanCare representative only to have to repeat myself and share with them that the XXXX and XXXX payments were made and that the XXXX mortgage payment had already been paid as well. Again, they stated they would take care of this situation. 

My XXXX Checking is showing that payments have been sent and checks cashed in XXXX, XXXX, XX/XX/2019. I have contacted XXXX to investigate payments made and to contact LoanCare. 

I have requested in email and in mail writing to LoanCare on XX/XX/2019 to resolve these issues. The email address I used was customersupport@myloancare.com and I sent letters to 4 LoanCare addresses in XXXX XXXX and XXXX. 

I understand that these loan transitions from 1 company to another ( and not by my request ) can be complicated but this shows a lack of organization and customer care for customers. In the end, the consumer/customer suffers by having to resolve these issues with potential financial and credit bureau harm. 

Best regards, 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 2019-07-28 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: LA

Complaint narrative:
A thorough investigation was not conducted. I initially sent a notarized letter through certified mail on XXXX XXXX. I did not receive an email from Experian stating that the investigation was open until XXXX XXXX. US Postal service annotates that Experian received the certified letter on XXXX XXXX. On XXXX XXXX, less than 48 hours after the investigation was open, Experian concludes that my investigation was complete. There were 8 items listed on my dispute letter and Experian only investigated one item according to the dispute results. The one item that they did decide to dispute is still inaccurate. I also requested documentation to prove that these items were accurate and so far I have received nothing.

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 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
RE : PHH Acct # XXXX ( Ocwen Acct # XXXX or XXXX ) I have been receiving default notices from PHH regarding lack of payment ( Case Manager XXXX XXXX ). 

PHH took over as service provider from Ocwen 2+ months ago ( not per my request ). 
Payments have been paid under acct # XXXX or under previous Ocwen Acct # XXXX / XXXX. 
My XXXX Checking is showing that payments have been sent and checks cashed by PHH in XXXX and XX/XX/2019. I have contacted PHH on multiple occasions to try to resolve and have spoken to several representatives in early XXXX and in XXXX. I have contacted XXXX to investigate payments made and to contact PHH. I also have no idea why the XXXX payment was properly processed and yet XXXX and XXXX seem to be an issue for PHH. 

I have sent an email to XXXX and have sent to letters to XXXX   XXXX and XXXX. NJ PHH addresses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation