vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My beloved wife XXXX and I co-signers on the car loan have sent dozens and dozens of emails and made dozens of telephone calls and written letters to the President and other high senior officers of the Bank of America to lower our monthly car loan payments form {$770.00} to {$500.00} because of the novel coronavirus pandemic that makes it impossible for us as senior citizens with very serious medical contains to work! In fact, XXXX had to quit her job of 16 years. Yet not one single solitary word back from the President of the Bank of America or the other high senior executives nor any other single solitary word back written or oral to permit us to pay {$500.00} per month! 

This is now our NINETH ( 9TH ) complaint to the Consumer Financial Protection Bureau. 

The Bank of America still after all these months of our complaints to the CFPB says it is not yet ready to answer us! 

Are we now to file 500 or 10,000 more complaints?

Send 200 more emails and 500 more letters and make 1,000 more telephone calls before this one of the very largest banks in the entire world answer us? 

Apparently so! 

The Bank of America is being obscene here! 

Totally and completely brutally cruel to us! 

Call it age discrimination which it is! 

Call it total disregard of the novel coronavirus pandemic which it is! 

Call it criminal which it is!

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 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was moved from my lender XXXX XXXX XXXX to Mr Cooper. It happened around the time a payment was due and Mr Cooper did not clearly communicate the process and did not tell me that my autopayment from my bank would be transferred to them ( without my consent or knowledge ). As the payment was several days late I set up a separate payment as I was concerned about missing a payment. The day after that payment was made, the autopayment was made ( I had no knowledge that this would happen ). This put my account into overdraft. 
Mr Cooper promised in their introduction letter that I would not suffer any financial loss due to the move of my loan to them. I complained to Mr Cooper about the cost to me caused by them due to my overdraft situation. Fortunately, I had an arrangement with my bank for credit card overdraft protection which mitigated the cost. However, there was still a charge for using my credit card. 
Mr Cooper has been very obstructive by requesting a letter from my bank and only providing a fax no to send my evidence of financial loss. I complained about this and they promised to phone me - I have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
First Franklin has consistently violated the FDCPA and the FCRA. First Franklin is attempting to collect a debt not owed. The tactics being used have caused marital instability, ruined my reputation, and prevented me from securing funding to support my family. A sherrif was sent to my home which caused XXXX  and XXXX  for myself and my minor children. I deny any resposibility to the alleged debt and it has been disputed with First Franklin. First Franklin is inserting inaccurate and erroneous information and failure to indicate the account is in dispute on my credit reports is a violation of my civil rights and the law oulined in The Fair Credit Reporting Act 15 USC 1681.

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 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have been unable to withdraw my money from my Venmo account as a result of being unable to add a bank account to transfer the money to. I made multiple attempts to add 2 different bank accounts through both automatic and manual account verification methods without success. 

I requested assistance from Venmo four times and each request has been ignored, despite the automatic reply to my message from Venmo saying someone would respond to my request within 24 hours. 

The first request for assistance was made on XX/XX/2020. The second request was made on XX/XX/2020. The third request was made on XX/XX/2020. The fourth and final request was made on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2020 a payment through electronic check in the amount of {$5000.00} was attempted to be made on my Sears Mastercard account and this was NOT successful and the funds were reversed on my account. 

In XX/XX/2020 a check issued from a title company was sent for payment on my Sears Mastercard account in the amount of {$5000.00}. This check was cashed on XX/XX/2020 and the funds were not credited to my account. 

I have provided a copy of the cleared check and I've attempted numerous times to resolve on the phone and through the secure website. I've filed a complaint with the credit reporting bureau and their response is that I disagree with the findings although findings have never been communicated to me. My online inquiries have been responded to asking me to call ; I call and I am told a letter has been sent but I never receive anything.

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 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare Mortgage Company reports late payments to the credit bureaus while I am in forbearance ( Covid 19 Cares Act Assistance ). I have waited over 90 days for LoanCare to approve my loan modification I submitted a loan modification in XXXX, instead they have delayed the process and continuously report me as late to the credit bureaus. This is negatively impacting my credit and is not true. I am not required to make a payment during the loan modification process so it should be reported as on time. Their website says that it will not be reported as late while you are in the loan modification process or while you are in forbearance. Furthermore, they are supposed to have underwritten the loan modification within 30 day and it has been much longer than that. Additionally, they have been reporting me as late WHILE in forbearance ( Covid 19 Cares Act Assistance ).

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 2020-12-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX of this year TransUnion created a credit report on me that was erroneous on TransUnion part. TransUnion has admitted their error. 

By law TransUnion is required to notify any and all parties that may have accessed my credit report. 

TransUnion has failed to do so. TransUnion has not followed the law. 

TransUnion has failed to return calls. 
TransUnion has failed on many fronts.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fleet Financial, Inc.
State: SC

Complaint narrative:
iLendingDirect pulled my credit via XXXX  without my consent and notified me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I booked tickets with XXXX XXXX XXXX. The airline canceled my flight because of the Covid 19. There were 2 charges for {$220.00} each, total amount XXXX. I disputed the charges. On XX/XX/20 I received a letter from the bank that a credit was issued on my account for {$220.00} x 2. The amount of credit I received on XX/XX/20 was {$220.00} and {$73.00}, not the full amount that the letter indicates. The dispute was ruled not in my favor and the credit card company is asking for the money back. They are asking for the full amount, ( {$220.00} x 2 ), not the amount I received ( {$220.00} and {$73.00} ). They are trying to collect the difference {$140.00} which I do not owe to them. I made at least 4 calls to the credit card company, the agents that I speak with see the issue but the charge is not being removed. One of the agents name is XXXX, id XXXX. I have nothing in writing from the bank that the issue is being addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Spoke with the Kia Motor Finance ( KMF ) Company in XXXX of XXXX as the cosigner of auto lease and told them I would be taking over nonpayment of the lease as the primary party of lease whereabouts were unknown and to prevent default. Was not successful in making me primary on the lease as not KMF policy. Paid on lease until close in XX/XX/XXXX. Told by KMF that any fees would be addressed by dealer at time of vehicle return. XXXX, PA Kia stated no further charges and gave account closed paperwork and clean vehicle report. ( Attached ). KMF closed my account on or about XX/XX/XXXX with a XXXX balance. In XX/XX/XXXX my credit score dropped almost 100 points due to an unpaid balance owed to KMF of which I was unaware. I contacted KMF and they said they tried to contact the primary signatory party several times unsuccessfully. I told KMF they never contacted me. They stated by law they are not allowed to. I stated we had a contract, how could that be so, and if so, how could this end up on my credit report? KMF stated they are not legally allowed to leave a voice message, send an email, and they do not send certified letters. All letters sent to my address were sent in primary signatory party name to which the USPS will not deliver due to that person not living at the address and perhaps a change of address filed by primary party. I related to KIA that they had no problem contacting my by mail, phone or email for any other issue and that XXXX, PA KIA stated the lease was fulfilled. KIA would not remove the negative credit collection yet still wanted money for a charge I was unaware of. I have also sent dispute to KMF complaints.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I changed banks back in late XXXX, and stopped using this account, several merchants have refused to not try and take funds from this account, this has happened probably at least a 10 times or more, I don't know what happened but finally after about 50 different calls, I think. I have them all straightened out. 


This caused an excessive fee problem, which is not my fault because I updated my info with EVERYBODY else too and they managed to get it right

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: AES/PHEAA
State: NY

Complaint narrative:
The Public Service Loan Forgiveness ( PSLF ) program through the Federal Student Aid website revised the Employment Certification Form to offer the following three options, " 1 ) I just want to find out how many qualifying payments I have made or if my employer is a qualified employer ; 2 ) I believe I qualify for forgiveness under PSLF or TEPSLF right now ; 3 ) If I indicated that I believe I qualify for forgiveness now, I want a forbearance while my application is being processed, but understand that periods of forbearance do not count towards forgiveness. '' The form no longer reflects an option for individuals working towards completing their 120 qualifying payments for federal student loan forgiveness. For example, I am a government employee and certified my employment in XX/XX/XXXX ; I will certify again in XX/XX/XXXX to receive credit toward PSLF since the twelve qualifying payments from XXXX have not yet been credited to my loan account. The revised employment certification form does not appear to reflect the information required in order for me to certify and receive credit from FedLoan Servicing for the 12 qualifying payments over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX or XXXX, 2020, I contacted Capital One regarding my Neiman Marcus account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/ 2020 via internet. On the same day, I contacted Capital One regarding Neiman Marcus account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with Saks Fifth with enrollment on the COVID-19 last month. 

On XXXX XXXX, 2020, I received multiple alerts about a negative reporting on my credit file. Capital One reported my Neiman Marcus accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and Capital One may be experiencing some technicalities with this XXXX suppression/deferment program as the same issue I reported regarding my Saks FifthAvenue account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from Neiman Marcus account & from all three credit reporting agencies XX/XX/XXXXand XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I subscribed to HP XX/XX/XXXXXXXX on XX/XX/2020. I paid to initiate the services with my MasterCard {$53.00} and was told at that time I could call back and change the payment source, which I did XX/XX/XXXX, to a XXXX Debit Card ; {$16.00} monthly. I have a copy of the updated agreement, XXXX. I discovered on XX/XX/2020 upon reviewing my MasterCard bill that I had not used since starting the subscription with HP that HP XXXX  XX/XX/XXXX had been double billing for services since XX/XX/2020. HP credited my MasterCard the XXXX of each month and then my XXXX XXXX on the XXXX of each month clearly an input error by their staff. I contacted HP at XXXX, option 2 and requested that my MasterCard be credited ; I was told that someone from the Billing Department would contact me. HP gave me a case number of XXXX. I subsequently contacted MasterCard and told them about the disputes form HP ; initially they agreed to investigate and I submitted website information from my XXXX account. After clarifying the information sent to MasterCard I was told they were closing the cases because there were problems with the length of time and refused to close the account since it was being disputed. I requested their policy information but was told it would be mailed in 7 to 10 days. XX/XX/2020 I received a phone call from the billing department and was told the problem was my fault and initially was told they would not credit my XXXX Account for any of the disputed months ; with much discussion to follow HP sent an agreement to credit only 3 of the 6 months and provide 3 months of free service. This is not right that I have to pay for their mistake with interest on my MasterCard. I do not wish to continue any service with this unscrupulous organization and I am due an additional 3 months credit to my MasterCard with interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I called Portfolio Recovery Services to attempt to settle a debt. They informed me that I already had judgements filed against me in a state that I haven't lived in since 2010. I also question the amount of the original debt. The operator on the phone was unable to see who signed the certified letter that received the documents that summoned me to court on both cases. I do not know why they sued me in a state I haven't lived in for a decade. I did not have a fair opportunity to respond to either suit and was unaware of it even happening until I called them to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Our mortgage loan was transferred from XXXX XXXX to SPS ( Select Portfolio Servicing INC ). I have always made our payment online. I just made our first payment with SPS online ( https : //www.spservicing.com/ ) and I was charged a {$5.00} fee to make a payment online. I do NOT agree with this charge and I believe it's against the law for a new servicing company to charge a fee to make a payment especially when that payment is made online with no human assistance. Over the life of our loan this would result it more than {$1800.00} in fees. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that provides limitations on what debt collectors can do when collecting certain types of debt. I believe this fee is unnecessary and I do not agree with it at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Good morning Everyone, On XX/XX/XXXX, I found out a debt collection for the amount of {$1400.00} on my credit report for which I have no clue. The name of the company is Common wealth Financial, the original creditor is XXXX XX/XX/XXXX and it was opened on XX/XX/XXXX. In the next day, I called the company, I provided my full name and my date of birth for the verification. The lady on the phone told me that they are were going to put it on a dispute file so they could remove it later. I wish the did that before taking any other legal action. For your information, I remember I disputed the original creditor twice in the past, but they keep putting negative item on my credit. Please help me with this matter because it hurts my credit so bad. 
Thanks in advance. 
Respectfully, XXXX XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
we signed up for a covid relief for 6 months withXX/XX/XXXX near the end of agreement XXXX sold our mortgage to another bank, XXXX had agreed to put the missing payments at the end of our loan and no late fees or any discrepancies at all the new lender that XXXX sold us too Carrington Mortgage is not honoring the agreement made with XXXX and wants all 6 payments now!

Company response to consumer: Closed with explanation