vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
My husband got a voicemail on his cell while he was at work but it was addressed to me. This call was from XXXX XXXX from the pre legal division of Alliant or XXXX XXXX  saying he attempted to call me two weeks ago and since then has not had any record of me returning his call. He said please keep in mind this is a time sensitive potential claim and this call was a courtesy for my input to be considered before anything is processed. He said my claim number is XXXX and to call him back at ( XXXX ) XXXX. 

I've gotten scam calls like this in the past and even fell for one and paid them money only to find out later it was a scam. 

Now I am very cautious about these calls and want everything in writing via certified mail if it is in fact a legit claim they should be able to provide me with this so I can have it reviewed by a lawyer before agreeing to pay anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I actually have so many complaints over the past 5 years of this loan with overpayment, not sending me statements, overcharging me interest, not doing what they say even when promised on calls, etc. So so many. But to add frosting to the cake here is what is happening as I try to pay off car that was totaled. 

I thought I had gap insurance but they said I did not. So after insurance company valued, was about {$2500.00} short ( after paying for 5 years a car that originally was {$13000.00}. After 5 years still owed {$7200.00} at time of being totally. Usery in my opinion. 

But now when I am trying to get paid off still can not get resolved even though they have had my {$2500.00} for two weeks and the insurance check {$4700.00} for one week. Telling me it will be another 4 business days even though I have called daily. It is beyond frustrating and they just don't care and can not do anything about they say. And said they are unable to send me to a manager. 

I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement. 

Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from XXXX and myself. Finally they got my insurance company, XXXX, the right form. XXXX then overnighted a check to Santander who signed form and received last Tues morning at XXXX XXXX. It is now XXXX XXXX on the following Monday. 

So, one week later on Monday evening, my account was still not credited for the payment. Daily I call and each time get different XXXX they say " wrong '' information from last person I spoke to there. I am now told that it will be another 4 business days for them to credit my account. We all know they deposited the funds the same day into their own accounts and are earning interest on those monies. 

What financial company takes 8 business days ( 10 overall ) to credit my account with a check from a large insurance company? This is like stealing my money and holding it hostage. Each day I am spending {$100.00} on XXXX to go to and from work because I can not buy another car until this account shows paid. And all Santander says is they can't do anything about and sorry the last person gave me wrong information. I am beyond shocked at how a financial company can get away with treating consumers like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We have impounds for taxes and insurance with 5th 3rd bank. They pay our insurance for us as we pay monthly and we have never missed a payment. They are sending letters threatening to force place an insurance policy on our account. They are trying to make us provide proof we have homeowners insurance when they in fact have our policy and pay our policy. I believe they made a change on their end and are having trouble getting what they need from our insurance company so they are putting burden back on us and making me wait on hold for an hour at a time to resolve when we have done nothing to cause the issue. Madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper is the primary mortgage lender for our house. My wife and I filed for chapter XXXX bankruptcy in XX/XX/XXXX and received our discharge for completing the plan in XX/XX/XXXX. In short while under protection of the bankruptcy court, Mr.Cooper has reported that we had late or missing payments from XX/XX/XXXX through XX/XX/XXXX on our XXXX credit report. At no time in the 15 years that they held our mortgage, were we ever late or had missing payments. 

We have made several phone calls and logged many hours trying to resolve this issue with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recovery Association, LLC.
State: WV

Complaint narrative:
Saw that there was a collection on my credit report and called the collection company to verify. Told them I didnt receive notice or notifications that i owed anything and offered to pay in full if they would remove it from my credit completely. They said that they sent a letter and I was notified but I didnt receive anything at all. They told me that was my problem and said I needed to contact the post office. They said they would take my payment and report it as paid in full. I dont believe this is fair since I didnt receive notification. I argued with the customer service, but they were rude and didnt help me. I will pay this balance in full but I want it off my credit, I would have settled before collections but I was not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: MS

Complaint narrative:
THE DENTAL OFFICE SENT THE COLLECTION COMPANY MY MEDICAL ISTORY WHICH INCLUDED MY PAST AND CURRENT MEDICAL CONDITIONS AND MEDICATION I AM CURRENTLY TAKING. THIS IS A HIPPA LAW VIOLATION. I NEVER AUTHORIZED XXXX XXXX XXXX TO RELEASE MY PERSONAL AND PRIVATE MEDICAL INFORAMTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please substantiate your claims regarding information XXXX XXXX XXXX #  XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX   XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.

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 non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I called the I c systems several times and told them that the debt is not mine. They refused to 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 explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I closed my account with best buy back in the spring of XX/XX/XXXX and paid what little I owed. I never heard from them until XX/XX/XXXX a statement that I owed them XXXX for late fees but there were no charges on my card. I called best buy and informed me I did not owe late charges and they could not tell me what the late charges were for since I cancelled the card in the spring of XX/XX/XXXX. I called the bank that manages the card Citibank I told them I canceled the card in the spring XX/XX/XXXX they said I closed the card in XX/XX/XXXX. I received another letter from Citibank about fraud I called them told them I cancelled the card around XX/XX/XXXX the young lady told me it was closed in XX/XX/XXXX. She did not help me much so I called Citibank again and talked with another lady. I asked her when did I close the credit card she told me it was XX/XX/XXXX. It is evident that neither Best Buy or Citibank knows what they are doing. I did not owe them the XXXX charge that I paid. I want to report this so it does not happen to some one else. I will never do business or my family with Citibank or Best Buy ever again!

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 2019-01-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Ref : XXXX - card ending XXXX American Express Gold New card was opened as a brand new customer of the product ( never had this Gold card previously ) on XX/XX/XXXX XXXX XXXX. Referred new customer sign-up bonus was presented as XXXX MR ( Membership reward ) points for spending {$2000.00} or more within 3 months from approval date. My bonus eligibility was triple-checked using Amex 's own bonus/application eligibility checking website tool. It went through perfectly without rejections or warning notices about not getting bonus. Referred friend who introduced this product to me got his XXXX MR referral points. So, they know which product and bonus I signed up for. For XX/XX/XXXX approval, my physical card was shipped out on XX/XX/XXXX with major delay and finally received XX/XX/XXXX. Right upon receipt of the card, I called Amex service team and double-checked my bonus eligibility requirements and deadline and amount. I even requested for spending extension due to late arrival of the card. The service agent said it is still ok because I have 92 calendars days to spend {$2000.00} and ask me to call again to get extension if needed. The bonus detail was re-confirmed by the service again via phone on XX/XX/XXXX. After fulfilling spending requirement in XX/XX/XXXX and again XX/XX/XXXX ( about {$7000.00} USD ), Amex is now saying that despite fulfillment completion, due to misuage (? ) they can not issue XXXX MR bonus points to my account. They often use " misuage '' when a former customer takes advantage of receiving bonus by re-opening the same product account but my card is absolutely brand new. Never had anything like this. During application process, their own eligibility checking system failed and today is XX/XX/XXXX and they are not releasing due membership reward points to customer who satisfied all requirements. Clearly violating service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I checked my credit report and found an open account from a payday loan from XXXX XXXX opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank has ability to investigate, what customers are doing online banking. They know what customer has looked at chase online banking. They said they know that I have looked particular page. Why would they find out what customers are viewing online banking ... 
Do they know what else I do online???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being XXXX I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
I checked my credit and found that this company had me in collections. I contacted the company and they told me they sent a letter to collect the debt and XXXX XXXX did also. I didnt receive the letter or I would have taken care of it. I offered to pay in full over the phone as long as they took it off my credit but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I made a normal monthly payment to XXXX XXXXXXXX on XX/XX/2019. This payment was not processed as a normal monthly payment. Instead, this payment was applied towards my principal. My next payment is not due until XX/XX/2019. 

I was not informed that this amount would be applied entirely to my principal. Furthermore, the payment breakdown shown on the payment page showed the breakdown of principal, interest, and escrow. I have now been on the phone with Ocwen for over an hour trying to speak to a supervisor. My account is pre-paid and I do not have any outstanding late feed. 

I am pretty certain Ocwen 's payment processing vendor and website are just out-of-step with one another. However, I do not think Ocwen can apply my payment in a manner different than what was displayed during my payment processing. This is a terrible experience. I have had numerous problems with Ocwen. 

I have images which I will send to the person who evaluates this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I was contacted via phone call about getting my loans forgiven. I believe this was a fraudulent call. The call was specifically about repaying XXXX loans and then consolidating the rest. The fee for it was {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX  XXXX traded my Mortgage to 53.com. For the first 3 months I did not receive any statements from 53.com. I had to change my address and fill out a cfpb form to start receive statements! 53.com said they will not charge late fee on phone. Once the cfpb request hit 53.com they charged me an {$89.00} late fee. I need the {$89.00} back as the process of 53.com failed to informing me of the date of the mortgage trade and failed to get me statement to pay my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I checked my credit report and found an open account from a payday loan from Speedy Cash opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: HI

Complaint narrative:
I sent a letter for a standing payment instruction, which stated that any amount paid greater than the amount due should be applied to the principal. I sent the letter on XX/XX/2019 to : XXXX XXXX Pennsylvania Higher Education Assistance Agency The Office of Consumer Advocacy XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX The letter was sent with signature required and was received on XX/XX/2019 at XXXX to the Front Desk/Reception/Mailroom. I have not seen a change in for a greater amount paid to be applied towards principle.

Company response to consumer: Closed with explanation