vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company
State: KY

Complaint narrative:
XX/XX/2018 sent an itemized bill with services listed as proof of debt owed, violated HIPAA laws Debt amount {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
I've counted over a dozen phone calls from this company to my personal and work numbers in just two days alone ( XX/XX/18-XX/XX/18 ). They never leave a message so I finally answered today long enough to let them know they can no longer attempt to reach me by phone. I can not receive debt collection calls at work and am worried these calls are jeopardizing my work situation and am appalled someone would call this many times and never leave a single message. I am not sure what this could be in regards to, ( I even checked my credit report today to see if I am missing something which I am not ), but I am more than happy to work out any debt dispute via email or regular mail. 

Calling over and over and over like this, especially when you have to go through a receptionist to get to my direct line, is absolutely harassment and specifically meant to embarrass and intimidate. My next step will be to go to my state attorney general and report abusive collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System is attempting to collect an invalid debt on behalf of XXXX XXXX XXXX as I am not responsible for the {$1700.00} that they claim I owe them. I was an employee of the XXXX XXXX and was on a month to month lease agreement therefore my rent was automatically taken from my check every time I was paid. When my employment terminated so did my lease and I was allowed 30 days to move from the apartments which I did. After I left employment with them and moved out I never received any letter from the apartments stating that I owed any type of balance so I was under the impression that we were in good standing. On XX/XX/XXXX I reviewed my XXXX   credit report and noticed a third party collection from National Credit System on behalf of the apartments stating that I owe {$1700.00}. As I did not recognize the debt, have never been informed about the balance and have no knowledge what it could be for, I then sent a letter requesting debt validation directly to National Credit System on XX/XX/2018. I did not receive a response to my validation request and reviewed my credit report again on XX/XX/2018 and the account was still reflected on my credit profile and was not even updated to reflect that I was disputing the debt. On XX/XX/2018 I sent a dispute letter directly to XXXX   stating that I had previously requested debt validation from the agency which they failed to provide within 30 days of my request according to FCRA 611 ( a ) [ 15USC168li ( a ) ] .I also indicated that the agency also failed to update the account to reflect a disputed status. I did not receive a response to my direct dispute with XXXX  and on XX/XX/2018 I pulled my credit report again and found that although the account status was updated to reflect that it was in dispute ; I still have not received validation for this account and still do not know what the charges are for. At this time I would like this erroneous entry to be completely removed due to gross negligence from both National Credit System and XXXX in attempting to provide evidence that this debt is valid and accurate and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
On XX/XX/2018 I received an email from XXXX XXXX notifying me that my loan payment was past due : " This is a reminder that your student loan payment with XXXX XXXXXXXX XXXX XXXX was due on XX/XX/2018 in the amount of XXXX plus any applicable fees payable to XXXX XXXX XXXX   XXXX. If you have already made this payment, please disregard this notice. '' Up to this point, my loan was serviced by XXXX on behalf of XXXXXXXX XXXX, with which I had automatic payments set up to quarterly draw the payment from my checking account. I was not notified by XXXX XXXX XXXX nor XXXX XXXX about this transfer of providers until this email referenced above on XX/XX/2018 ( 6 days after the due date of XX/XX/XXXX. 

After initially assuming this email was scam, since I was never notified of any change to my loan provider, this month I attempted to call Heartland to make the payment. The day I tried accessing their website, it was not working. I called and spoke to " XXXX '', who told me that their " internal systems '' were down, and to call back today ( XX/XX/2018 ) to make the payment.

I accessed their website today, and learned that Heartland charges a 3.95 % fee for all one time payments, plus a {$1.00} service charge. Which is fine - I'm planning to make recurring payments anyway. However, the website prevents me from scheduling recurring payments on the " past due '' amount from XXXX - effectively forcing me to ay penalties on the amount, while I was never even notified before the XX/XX/XXXX payment was due. I've had multiple conversations with their customer service " advocates '' - most recently with " XXXX '' who told me that they can't waive the one-time payment fee on the website, and that I have to make a one time payment, being charged a fee for simply paying them. 

This seems fraudulent, and blatantly set up to entrap student loan holders in fees for servicing their loans. The company has not provided me with any information. Alternatively, I've been told that if I provide my bank checking account routing and account numbers over the phone, and then I won't be charged a fee -- who in their right mind would give out their bank account numbers over the phone to a complete stranger? These practices are questionable at best, and fraudulent at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: CO

Complaint narrative:
XXXX XXXX  is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: MO

Complaint narrative:
We have been dealing with a company named Ameritech Financial which we believed were alined with our student loan lender and that the {$99.00} a monthly payment we were making was going toward our student loan debt. Recently Ameritech informed us we would have to begin making a payment of {$38.00} directly to our lender in addition to the {$99.00} payment we have been making to them since 2016. The impression we got was that they were part of our lending company so this new payment was confusing to us. We then received a letter from the United States of America Federal Trade Commission stating that they were suing Ameritech Financial and the steps we would need to take to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Mortgage LLC
State: TX

Complaint narrative:
I closed on my mortgage on XX/XX/XXXX with Finance of America, LLC ( FOA ) for the loan amount of {$400000.00}. I confirmed with my lender that I can make a principal payment at any time after XX/XX/XXXX with no penalty, even if it is before the first payment was made. On XX/XX/2018 I  received a letter from FOA informing me that my loan has been transferred effective XX/XX/2018 and they will stop accepting payments from me on XX/XX/2018. 
On XX/XX/2018 I called FOA to inquire about making a {$200000.00} payment via wire transfer. They told me that they could not process my payment and advised me to wait until XXXX and send it to the new company. I told them that XXXX was three weeks away and that interest for {$200000.00} over 3 weeks at 5.25 % was a significant amount and that I wanted to pay now so I would have to pay that interest over three weeks. They told me that my account was inactive so they had no way of processing my check and advised me to hold onto it because that is all they would do with it if they received it ; they would hold onto it and send it to the new loan company at the end of the month. I told them that this was unacceptable.That my contract says I can pay a principal amount at any time. It does not say that there could be a three week waiting period in which you no longer will have a active account with any loan provider and thus will be without service during this time. I also believe that it is against the law to do this. They basically disabled my account and are refusing to service me, which will end up costing me hundreds of dollars in interest. They should have to process my payment because that's what my contract says. And if they can not do it -- or are unwilling to do it -- then they at the very least they should compensate me for the interest that I will be paying because of their negligent service. I would also expect to get some compensation for having to take hours out of my day to try to deal with this. so far I have spent three hours on the phone with them three times ( trying to get someone who could help me ), an hour on this page and XXXX  page filing complaints, and probably more lots more time until I get this rectified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
SPS Charging {$15.00} processing fee every month to make Mortgage Payment! Even my son questioned how this practice could be legal. {$5.00} to pay online or by phone from XXXX to XXXX of month and {$15.00} by phone or online from XXXX to XXXX of month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: U.S. BANCORP
State: OH

Complaint narrative:
I have a business account with US BANK that I called to inquire on balance and limit. After hanging up with representative I started getting alerts that my credit was pulled. When I called back n one seemed to know what was going on and me to call back the next day. I soon found out that a personal credit card was opened in my name from the representative and now I have a hard inquire on my credit report that US bank said they can not remove because of their mistakes. I want this inquire removed from my file that was generated on XX/XX/18. I did not apply for new credit and I believe the representative pulled my information without my consent.

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 2018-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.

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 2018-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: KY

Complaint narrative:
I have applied and began the process of Public Service Loan Forgiveness ( PSLF ). XXXX XXXX   is my payment servicing provider. I have made 18 payments according to my Income Driven Repayment ( IDR ) plan. However, XXXX 's records show that I only have 1 payment towards my 120 payments that are required for loan forgiveness. XXXX says that I was in some form of either forbearance or deferment and failed to count payments that I had been making since XX/XX/2016. Their reason for placing me in deferment was due to " we changed a deferment or forbearance that was previously applied to your loans because we received updated enrollment information. '' They placed me into deferment because I enrolled into University of XXXX XXXX XXXX night program. They did not gain my explicit permission to place me into deferment/forbearance. Their actions cost me numerous months off of my journey to loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: FL

Complaint narrative:
As of XX/XX/2018, Equifax has 2 addresses on my credit report that I have NEVER lived at OR any of my creditors have had the addresses, that's why I filed a ID THEFT report with them. For some reason, XXXX  DELETED all the addresses, but, how can EQUIFAX keep them on the report? How does ONE credit bureau DELETE THE ADDRESSES and the other doesn't?? Equifax needs to delete the following FRAUDULENT addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kashia Services
State: NY

Complaint narrative:
I am a victim of identity theft. I filed a police report. I found out about the XXXX XXXXt account after receiving collection calls. I have emailed and regular mailed a letter and the police to XXXX XXXX numerous times. Every time I call to follow up I speak to the same person. She advises me that there is literally no other person there that can speak with me. She said she does have access to the mail or email and will not give me a time frame for when this account will be closed as fraud. She will not let me speak to anyone else and refuses to give me to upper management or a supervisor. I did not open an account with XXXX XXXX. I did not authorize an account to be opened with XXXX XXXX. I filed identity theft with the police and with the FTC. I want this account removed and closed out so that I am not held liable for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Re : ROTH IRA for a Descendant Have sent 3 Letter 's of Instructions over the past 8 months to close a Descendant ROTH IRA of over {$220000.00} and still have not received a check. 

XX/XX/XXXX and XX/XX/XXXX mailed and faxed Letters of Instruction to XXXX XXXX. " XXXX '' in the IRA Dept instead XXXX documents to transfer funds into an Estate Account. We do not want to do that. We want to close the account. 


XX/XX/XXXX Sent another Letter of Instruction. No response.

XX/XX/XXXX telephoned XXXX XXXX. " XXXX '' in IRA Dept stated that " no supervisor is available '' nor " no Manager on Duty is available '' and " XXXX '' could not assist. Then she found Supervisor " XXXX '', who refused to give us his surname, to be available. 

" XXXX '' said he is a Supervisor but could not assist us. We gave him our name, account number and telephone numbers. We await 48 hours for him to read the file and get back to us. 

Descendant passed away 1 year ago and to this date, we have been unable to close this ROTH IRA account. The Descendant 's two other accounts at XXXX XXXX were successfully closed.

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 2018-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a delinquent account from a collection agency called XXXX XXXX for a medical bill with XXXX XXXX XXXX for {$60.00}. I paid this bill in full with the collection agency on XX/XX/18 at which time they sent me a letter stating they requested all credit reporting agencies delete the account from their records. This debt was removed by XXXX  and XXXX  the following week. I have already disputed this debt with Equifax and they refuse to remove this account and to make matters worse it still shows delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Contacted lender on XX/XX/XXXX to verify the payoff amount which includes a residual amount value. The lender stated the residual value of the vehicle to be XXXX. I have the original copy of the lease agreement. It shows a residual amount to XXXX. At that time, the representative said that it would take 10 days to investigate the discrepancy. I then waiting the prescribed time period and called again. The representative said that the residual that was shown on my agreement was correct. He then proceeded to tell me that value of the residual in their system would be corrected to match the contract and that it would be complete by the end of business on XX/XX/XXXX. I called again today, XX/XX/XXXX and the automated system still reflected the incorrect residual amount. I spoke with a live representative again. This time they stated that the residual amount shown on my contract did not include " taxes and fees '', and that the amount in their system was correct as is. We called one more time, on XX/XX/XXXX. This time, they said that they have a contract that shows the residual amount of their system. I do not recall signing two contracts. This is, in my opinion fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON OR ABOUT XX/XX/XXXX I AUTHORIZED XXXX  TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX  XXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED XXXX XXXX, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY XXXX ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX XXXX  DID IT AGAIN BY COMMITTING FRAUD XXXX  WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX XXXX DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE XXXX REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

XXXX DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR XXXX XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!

Company response to consumer: Closed with explanation