vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Final payment posted to our account XX/XX/XXXX. The account history shows a refund of {$3500.00} posted on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status & was told allow 10 days due to the amount. I called again on XX/XX/XXXX and was advised it is 10 business days which should make the release date XX/XX/XXXX. I called on XX/XX/XXXX and was told it released on XX/XX/XXXX. Today is 28 days since the account was paid. The lien release was received on XX/XX/XXXX. We want our over-payment, plus interest, refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: IL

Complaint narrative:
XXXX XXXX is reporting non payment to XXXX XXXX  in the amount or {$160.00} since XX/XX/15 and apppears on Credit Report as OPEN for collection. 
At that time XXXX reported to me that no payment was due.

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 2019-03-06 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I contacted XXXX  in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with XXXX  on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet XXXX  continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In early XX/XX/XXXX I received notice my mortgage payment would increase from {$1300.00} to {$1300.00} because my escrow account had insufficient funds - this made sense based on an insurance company change and a check that was sent to me. At the time I didn't understand why I was receiving the check and should have called the mortgage company, so again this increase for XX amount of months was understandable because I deposited the check and should've sent it back to be deposited into escrow. I believe the issuance of a check to me was a mistake by the then servicing company of the loan. 

In XX/XX/XXXX I received a notice from the new company over my mortgage, New Rez Financial, that stated my mortgage would be increasing from {$1300.00} to {$1500.00} because of insurance and tax changes. My insurance rate for the year increased only about {$120.00}, or {$10.00} per month, so a {$190.00} increase is outrageous. I called the county where I  reside, XXXX County, and they stated an increase of that amount is out of the ordinary. When I contacted New Rez Financial they were unable to explain exactly why the amount increased like it did, other than pushing the explanation off on XXXX County and saying " your taxes went up ''. 

I need a detailed description and breakdown of why New Rez Financial is attempting to raise my mortgage payment ( starting XX/XX/XXXX ) by so much money. I'm already paying {$35.00} more per month over the course of the last 12 months and an increase of an additional {$190.00} is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX case number wfhm loan XXXX tried to follow up with my case person named XXXX XXXX ( I am not sure if this is correct spelling, this is provided to me in a voicemail from last year. ) XXXX XXXX XXXX XXXX XXXX I have messages on my phone from her as my go to contact for all case topics I called her XX/XX/19 XX/XX/19 and again today XX/XX/19 left messages telling her I had 2 more questions and she will never call back spoke to XXXX oper id XXXX  XXXX  XXXX today and he claims she no longer is there and no one is responding to my voice mails I am leaving for follow up so, HOW do I get a representative to ring me back and provide final outstanding answers to the case? 

thank you 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 2019-03-06 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: NY

Complaint narrative:
Since XXXX I have been writing Experian asking them to remove a false entry from my credit report and they REFUSE. I was sued in XXXX due to claims I owed money. My rights were violated under FDCPA. I hired an attorney and won my case in US District Court XXXX District of NY in XXXX. Why should Experian be allowed to keep telling the world through my credit report that I still owe the money when a Federal Judge has ruled that I do not owe the money? Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My original date of disputing this account with the credit bureaus was XX/XX/XXXX. On XX/XX/XXXX I contacted the debt collection agency named LVNV FUNDING to advised them that the account they are reporting to XXXX is fraud and does not belong to me, and that I am a victim of identity theft, and asked them to stop reporting the fraudulent account to my credit file and to remove it from my credit file or report it as does not belong to me, so that XXXX can delete it. They advised me to send in documentation such as : Police report with the disputing acct number on it and its origination date. Proof of identity. Tax returns showing my address, and a written letter explaining why I was disputing the item. I faxed all supporting documents to them on XX/XX/XXXX. As of XX/XX/XXXX, LVNV FUNDING reported this fraudulent account back to my credit file with XXXX again. They keep reporting that it belongs to me, when in fact they have no proof it belongs to me. This item has been removed off my credit file with two other bureaus. But for some odd reason, LVNV is reporting that is belongs to me with XXXX. I have been disputing this account since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: ME

Complaint narrative:
I am supposed to pay {$230.00} per month on my federal loans to Great Lakes. I have been paying {$250.00} or more and have the excess go towards the highest interest rate ( XXXX % ). I called at XX/XX/XXXX to pay off the loan. On that date it was {$690.00}. I asked about transferring the excess to the next highest loan ( XXXX % ) and was a told to do that now because the XXXX would have a {$0.00}. So I did. A week later ( I checked my account daily ) I received a message from Great Lakes telling me they deducted the {$230.00} payment 1st ( even though not due till XX/XX/XXXX ) and then the remaining amount on my loan where I wanted the excess to go ... .they put the on the XXXX % because I was told to change as soon as I got off the phone on XX/XX/XXXX. I called XX/XX/XXXX and told them the {$690.00} went on the wrong account. They told me the {$230.00} had to come off 1st ( even though I am paid ahead ) and they would credit the other loan. They did not tell me this on XX/XX/XXXX. More than 48 hours have passed and they still not have corrected the payment. I called them again XX/XX/XXXX and they said there was a request in but it had not gone thru yet. I was told the only way to have the payments done correctly is if they do it on the day the loan is due ... .however ... they do not apply the payments that day so they don't even know what is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Credit Corporation
State: GA

Complaint narrative:
Company is trying to get me to pay 2 late fees after I've told them this is in error as this account has been paid in full. They admitted that my payment was made on time and was never late in XXXX as they previously stated to me. Then the company sent me a bill for late fees in XXXX stating they didn't get paid. now in XXXX they are telling that another late fee is due because they never got paid in XXXX for purchases that I have never made and no balance was showing or due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I had to take off school for financial purposed in the spring of XXXX semester. I had full intention of getting back into classes during the fall semester of XXXX. However I had my my loan deferment period end because I was out oaf school for so long. I skipped the fall semester again to try to get more hours at work so that I could try to pay some of it back. Looking into to lowering my over all payments from month to month, I was able to file for income driven payments for my federal loans. My payments went to {$0.00} because I only make about $ 13,000- {$15000.00} a year. This helped me out. However when I try to solve the same problem with XXXX XXXX on XX/XX/XXXX for the balance of {$580.00}, they have no options for trying to solve my problem. I am informed that they have no options available to lower payments. They instead try to see if there are any family members or friends that I can borrow the money from to make the payments. Telling them no to this option, my only option at the time was to pay them {$150.00}, which doesn't get applied to any balance that is over due.This payment was just to stop harassment of 6-10 phone calls a day and the emails to me and my my father who is the co-signer. I agreed to this, however, I asked that that amount get taken out the following day so that I could move money into the account. My next step would be to pay in amount of {$580.00} by XX/XX/XXXX. The next day XX/XX/XXXX they attempted to take out {$300.00} from my account. The payment didn't go through because I didn't that much in the account at the time. After this happen the phone calls and emails started right back up again. On XX/XX/XXXX myself and my father got an email stating that if the account was not brought up to date by XX/XX/XXXX they were going to report me to the consumers reporting agencies. My father reported to me that he had paid the amount and that I need to just get enrolled in school again to at least half time to get the account to go back into deferment which I can do. Even though this payment had been submitted I still received a phone call from this agency about trying to make a payment. All of the phone calls and email have been documented and I have dates to along with them. I have been made to feel like that i have no true options beside bankruptcy. I am stressed about this everyday and it is always on my mind. I just wish there was a way to make it all go way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: Midwest Recovery Systems
State: NE

Complaint narrative:
Midwest Recovery Systems at XXXX is reporting on a settled debt on my account and demanded XXXX to stop reporting on it and they do not own this debt. The debt was sold from XXXX to XXXX XXXX XXXX and they have also tried reaching out to Midwest recovery systems telling them they should not be reporting and this account has been settled in full. Midwest told me they would not remove reporting of this debt they do not own unless I give them 1600+ dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with XXXX credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with XXXX 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
Called my work and said they were the courthouse and that I owed money. Once I got on the phone the woman said I never paid anything to ACE, when in fact I did. I said to please send me a statement by mail so that I can review this claim. I was told it was too late for that. I was told if I pay now that I can pay less for a settlement. I said let me know the name and address of your collection agency and that I would get back to you. She refused and said I dont have time for this. She gave me a number to call back, but didnt give me a name. I told her I was reporting her then she hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB : Previous complaint : XXXX CFPB closed this complaint and XXXX 's has not done what they promised. 

In fact, I just learned that they again submitted the fraudulent account they created to collections. 

As stated in complaint XXXX, XXXX 's tricked me into opening a second XXXX  's account. I had a XXXX  's account for many, many years. They pretended to need to update information so that I could get a coupon for immediate use at the checkout desk. What they really did was open a second XXXX 's account. 

They then sent this secondary account to collection which DECIMATED MY ALMOST PERFECT CREDIT RATING. 

After promising to remove the incorrect information from the credit bureaus, they have now AGAIN SUBMITTED TO COLLECTIONS THIS SECONDARY ACCOUNT THEY FRAUDULENTLY OPENED. 

These people are criminals.

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 2019-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
I received a check from a mortgage company for the proceeds of refinancing. The check was on XXXX XXXX  and was for {$20000.00}. I took it to my bank ( United Bank ) on XXXX XXXX in XXXX, Virginia. They informed me it would take 5-7 business days for it to clear which I think is ridiculous and banks are allowed to take advantage of customers. What takes that long? Yes more of the ( XXXX ) nonsense. So I said I dont see why I need to wait that long, I had the teller to call a manager in my home bank although it had been moved. I have been a customer of United Bank and others they took over for more than 25 years. I was told by teller that their security department suggested that I go to XXXX and get a cashiers check and the money should be available the next day. I did that and was told it would be 2-3 business days. I was allowed to pay {$3500.00} from the check. I waited the three days and went to the bank to get money out what we needed but i first checked my account and found that the funds were available. When I got to the bank the teller checked my ID checked my account and had the money ready to count it out to me. XXXX XXXX was looking at the money and me then came over and started looking over the shoulder of the teller checking my account, he told her to wait until he could make sure the cashier check was good. Why did he think it wasnt good I dont know but I think he thought because I was XXXX I wouldnt have {$6500.00} in the bank. I am sure he doesnt check all cashiers checks to see if the are good, thats why you pay for them. He and another official of the bank started calling people and I waited over one hour before after I called United Bank and had them working on it some one called him and told him to pay me. I missed meetings I was delayed making payments I have XXXX XXXX XXXX and felt terrible and I have sugar XXXX. I have a right to my money and refusing to give it to me is criminal and I will file a complaint.

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 2019-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX stating that my accounts was 95 days over due for an XXXX payment. I've paid on-time and over the minimum balance ( see below ) since XX/XX/XXXX. After inquiring and requesting details, the Customer Service team was confused and couldn't answer the XXXX payment. XXXX  was unable to resolve the issue and I'm concerned this will effect my credit rating. 

XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company XXXX XXXX XXXX sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that XXXX XXXX XXXX reported me to all 3 of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to XXXX XXXX XXXX to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from XXXX XXXX XXXX I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and XXXX XXXX XXXX send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what XXXX XXXX XXXX sent them to prove this is my account. I received nothing again. So, I sent a letter to XXXX XXXX XXXX asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but XXXX XXXX XXXX refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to XXXX XXXX XXXX on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX XXXX XXXX XXXX  charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?

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 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.

Company response to consumer: Closed with explanation