vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I received the loan in XX/XX/XXXX and paid it off in XX/XX/XXXX. When I called to get the payoff I was told I would be charged a {$30.00} fee, which would be added to the amount I owed, to get the payoff figure. I called my loan processor to question this and he said it was probably the fee to have the lien released. When I called the mortgage company back I was told there was a separate fee to release the lien and the {$30.00} was for them to provide the payoff balance. The {$30.00} is listed in the payoff statement as a " statement fee ''. There is no mention of this fee in my note. I can provide copies of my note and the payoff statement if necessary.

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 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.

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 2018-07-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.

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 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Bank I opened my account in XX/XX/2018 and did not consent to Overdraft coverage. Bank automatically enrolled me even though I did not mail in a signed overdraft coverage consent letter.

They charged me 6 overdraft fees of XXXX $ charge each on XX/XX/XXXX. I called the customer service to request a refund and told them what they did is ILLEGAL. They told I have to call the manager and ask them to prove I don't have a signed document. They refunded me 2 fees for courtesy when this was a bank error in the first place. During this process, they treated me poorly because my account was overdrawn and made me chase them all day to resolve the issue. They did nothing on their end to fix the issue and reach out to the bank manager. 
Then I called the manager and managed to get refund for 4 remaining overdraft fees. 

A month later, Suntrust charged me 8 overdraft fees between dates XX/XX/XXXX and XX/XX/XXXX. I was charged 3 duplicate overdraft fees and 1 extended overdraft fee for XXXX transactions which were supposed to be declined in the first place. I want these fees to be refunded but the bank says they can't help because I already received refund for 6 overdraft  fees a month ago. I told them those fees were bank error and not courtesy refunds. 

I was told if my bank account has no money, transaction would simply be declined. Only bill pay and paper checks can overdraft balance. 

I have {$280.00} overdraft charge in my account currently. Please help.

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 2018-07-25 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: IN

Complaint narrative:
I have federal loans serviced by American education Services. I recently did an audit of ALL my student loans and came across 2 loans that are not mine. The disbursement dates were XX/XX/XXXX, which is impossible since I graduated in XX/XX/XXXX. 

In XX/XX/XXXX, I requested documentation for these specific loans and all I received was my original consolidation application which was date stamped XX/XX/XXXX. These questionable loans are not on that application. I called AES every month to send me the documentation. I talked to supervisors and their supervisors ... no one could give me any good information. They sent me that same documentation 8 times! Finally, in XX/XX/XXXX one customer service representative told me to write a letter contesting the loans. So, I did and I did not receive one piece of mail or phone call associated with that letter. So, I continued to call and badger them until FINALLY some one with a brain told me I had to file FRAUD paper work. I received that FRAUD packet in XX/XX/XXXX. 

To be in compliance with their Fraud procedures ... I was required to send a copy of my passport, SS card, driver 's license, and two other documents that had my signature on them. I also had to file a police report and include it in my packet. Plus, I had to fill out the 5 page  application on where I was living, who I was banking with at the time of the fraud. And get 3 of the pages notarized ( including a page of just my signatures ). It was an extensive process. 

In the instructions of the application it states that AES has 15 days to conduct the investigation. Well, after 15 business days I called to discuss the status of the application and they told me they have until XX/XX/XXXX to finish their investigation. Mean while, they put ALL my federal loans in Forbearance. That is not what I wanted at all! Only two of the loans are in question and I do not want my balances to accumulate interest. 

When I called to take my loans out of Forbearance. I was told to leave a message. And of course I did not receive a return phone call. This company is beyond IMCOMPETANT. I want these fake loans off my account and off my credit report since I have been paying for them since XX/XX/XXXX and they can not come up with any evidence that they are mine. I keep asking them ... how did I take out federal loans if I was not in school? This case needs to be escalated and they need to be accountable for their sloppy document control, bad customer service, and maybe even fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC
State: VA

Complaint narrative:
I have sent debt validation letter XX/XX/2018 on to this alleged debt. The collection agency have failed to respond to alleged debt. They also sent return receipt back on XX/XX/2018 and still no responds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am no longer disputing Fair Collection and Outsourcing.

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 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
The original debt was a medical deb I was insured by my father and was 18-19 years old and my father was paying my bills.The original amount was {$830.00} in XXXX. XXXX was called many times and they said they would pay the bill but never did. 

Ray Klein Inc. dba XXXX XXXX XXXX held the debt to accumulate interest, then got a judgment in XXXX. I was never notified of any action taken against me for this bill. In addition, I was under age so this claim could not be filed against me. 

These debt companies are not only engaging in illegal activities and unethical conduct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am no longer disputing XXXXair Collection and Outsourcing.

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 2018-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
American Educational Services is now telling me that I can't lower my payments for this Private Loan. It is saying I'm not eligible to do so. I have been calling over and over since XX/XX/XXXX. I can't get hardship, forbearance I can't get anything. The problem with this one they are saying this payment is the lowest of XXXX. I have only paid XXXX in XX/XX/XXXX and XX/XX/XXXX on this loan. There is no other way with my husband on XXXX and I only work for XXXX per hour it's not going to work and still be able to eat. 

The problem is with calls all the time from XXXX XXXX  who is the lender, they are the worse in harassment to me and my mom who is XXXX years old and now I don't have that career job I was promised 10 years ago. I went back to school after loosing my business in XX/XX/XXXX and thought for sure I would get a good job by now, it's not happening. Not in our area. With the subprime housing market in XX/XX/XXXX and XXXX going out in our area it's forced alot of us baby boomers back to college trying to get a good job, but no jobs however we are still facing another hardship with college debt. 

XXXX XXXX keeps threatening to ruin my credit, my mother 's credit and they also say they will garnish my wages and my mom 's Social Security. I just can't believe they don't work with me on this. They call over and over again, writing letters and now I only have about 10 days they say before this all starts. Please please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
I went to Porsche in XX/XX/2018 to by a XXXX. I ended up leaving with a XXXX XXXX, called two hours later and said I made mistake and could I return the car. I led to believe that with in hours on a weekend that the payoff on my car was already done and the title was in my name. There was no way this could had happen. Porsche waiting 3 days exactly to decide to cancel the deal on the XXXX and get me into the XXXX, which wasn't the case. Instead they treated it as trade in, gave me less for the car. Then hid the negative equity in another vehicle. I was told I could refinance through Porsche Financial Services, for lower interest rate to lower my payment. This also was not true. It was not disclosed I was trading in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
On XX/XX/2018 I received a voicemail from XXXX XXXX saying he is calling from law firm of Weltman , Weinberg & Reis Co., LPA & that there is a pending lawsuit waiting. I called back to discuss what the lawsuit is about. He told me that my previous company sent my account to them to get the remaining balance on my pre-employment bonus. He told me to work out a payment otherwise theyll be going to court to get a judgement & garnish my wages & that payment would be bigger if approved by court. I discussed a payment plan with him. He said he would get back to me. He called me back on Monday XX/XX/2018 & left a voicemail about the payment plan. I was working that day & could not get back to him. I also received a letter in the mail from them dated XX/XX/2018 from attorney XXXX XXXX XXXX saying Ive 14 days from the date of the letter to respond. When I got to my apartment I did some research & found several complaints about this company & a lawsuit about falysfying information so I wanted to contact my previous company to make sure this is a legit company & theyre also dealing with them. I left a voicemail with my previous company on Tuesday & did not hear back from them. I called my previous company back again on Wednesday & was able to talk to person in charge of accounts & she told me that theyre dealing with this company & I should further talk with them to resolve the issue. Today on XX/XX/2018 XXXX XXXX called & I was unavailable & could not answer my phone. On the voicemail he was threatening to call my current employer. I called him back later on that day & told him why I hadnt called back & to stop threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On approximately XX/XX/XXXX, I was on my home computer and found, in the deleted e-mails, a bill for {$260.00} from Home Depot / Citibank. I knew that I had not charged this bill so I contacted Home Depot customer service. I requested that any and all bills should be mailed to my home address and not sent to my e-mail, which may not be working properly. On XX/XX/XXXX, I received a Home Depot bill for {$19.00} dated XX/XX/XXXX which I recognize as being made by me. That was the first time I had received this bill from Home Depot / Citibank. I paid the bill for {$19.00} immediately on XX/XX/XXXX, check # XXXX. I understand, from someone in XXXX whom I was directed to call to review this account, that the check was received by Home Depot / Citibank. The {$260.00} was the combined principal, interest and fines which  included the {$19.00}. 
On XX/XX/XXXX, I received a letter from Home Depot credit service saying that I was " responsible for the remaining charges ''. Home Depot / Citibank holds me responsible for charges that I never received, not by e-mail, not by regular mail and not by phone. I never received any bill in the mail or by e-mail until XX/XX/XXXX. 
I pay my bills, always and by the statement due date! I never have outstanding charges on my credit cards! I was also never informed of accumulating charges based upon the initial amount of {$19.00}. I have made a monumental effort to resolve this matter. I have spoken to many people from Citibank, Home Depot and people in XXXX, who are extremely difficult to understand. I was told to send a fax to Citibank concerning this problem. As of my last phone call on XX/XX/XXXX, Citibank has insisted that I pay the full amount of {$240.00} which is accumulated late fees and finance charges, which I paid by check today to avoid potential damages to my credit. 
The above information was faxed to Citibank  Internal Recovery,  Attention : IRU Dispute Dept. Re : Account # XXXX. They sent me a letter dated XX/XX/XXXX indicating that they required more information with a request for me to contact them. Again, when I called, I was speaking to someone in XXXX who was not cooperative and difficult to understand. Again, I got nowhere and was forced to pay the bill.

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 2018-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I checked my XXXX  report today and there is a company named Sunrise Credit Services out of XXXX New York which reported this XX/XX/XXXX for {$4900.00}. First off, I have not ever heard from this company about any alleged debt for this XXXX XXXX. I am currently in good standing with the Department of Education paying back my student loans for the schools I attended. I also have the Department of Education looking into this. Second, I have NOT received any correspondence from this company by mail nor have they contacted me by phone. The question is what name and address did Sunrise Credit Services send this information to and when? I know for a fact that this company did not notify me because my last name is changed. I've been married since XX/XX/XXXX and recently moved back to Texas in XX/XX/XXXX. I am disputing this negative charge on my report. It is so disheartened that companies can continue to place negative information on someone's credit report with out giving the consumer a chance to dispute. I do not owe this alleged debt nor do I wish to work with this Sunrise Credit Services because they are doing fraudulent business for something I do not know anything about nor owe. I have disputed this with XXXX as well and will being sending a dispute letter the company today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies at once.

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 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: LA

Complaint narrative:
During the process of speaking to the sells person at XXXX. XXXX XXXX XXXX XXXX in XXXX XXXX Louisiana, I was referred to DHI Mortgage XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I was approved for my home to be built in XX/XX/2018, we have had several appointments throughout the build and now my home is almost completed. 

in meeting with DHI Mortgage my lender, I wasn't given the initial loan estimate after the contract was executed in XX/XX/XXXX, Their was a property address issued at the time. I spoke with another lender who reviewed my credit in XX/XX/2018 and based off of my self and my wife 's income we were never able to qualify for a loan in the amount of {$230000.00} which is the amount of my purchase agreement for this loan. 
I feel like fraud was committed against us, because accurate information was not given, DHI Mortgage ran my credit multiple times, hurting my score and I was never given any domination other than the contract to purchase and some type of XXXX XXXX XXXX XXXX XXXX. I never received any information on what my estimated monthly payments would be and the amount of cash needed to close. I found out from another lender that my payments would be well over {$1200.00} per month which is what I am comfortable with. I think that was considered unfair practices, I never signed my initial loan application with loan estimate disclosure with DHI Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My FHA mortgage loan is currently serviced by Chase Bank. Since I am elderly and very sick, I have advised Chase Bank that I want to proceed with a short sale. Chase Bank has refused to process my short sale documents, stating that they are going to proceed with foreclosure on XX/XX/XXXX. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the short sale with transparency and clarity per the National Mortgage Settlement of XXXX. Chase Bank has refused to cooperate and is proceeding with foreclosure action on XX/XX/XXXX.  Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
Equifax - States they verified as good, not deleted. 
XXXX - States they verified as good, not deleted. 

I am requesting that both XXXX and Equifax delete this fraudulent debt collection from my credit profile for the following reason ; Both Equifax and XXXX did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for XXXX and Equifax to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and Equifax Report XX/XX/2018 XXXX XXXX XXXX XXXX ( part ) # XXXX

Company response to consumer: Closed with explanation