vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: UT

Complaint narrative:
I agreed to a loan from this company, only to find out that they are not a legal lender in my state ( XXXX ). 

After repaying the principal amount, as well as a significant amount of interest, I advised this company that the borrowed principal was paid back and that I was revoking ACH authorization and requesting acknowledgement that the account was paid in full. 

As of this date, this request has not yet been satisfied.

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 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
This is about XXXX and XXXX reps for cnac aka jd byrider. They call after and before collection hours are rude use foul lange and threaten me. They call text and email myself and the co buyer on the loan. They have even taken an unauthorized payment from an accou t that was not mine and then reversed it because it was not authorized. This company sold me a car that gas no air needs to be jumped everytime and then continue to harass me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called bank of America on XX/XX/2018 in regards to purchases made from XXXX that I never received in the mail. I order these purchases in XXXX and XXXX and now BANK OF AMERICA is mentioning that it will take 6 months to get my money bank and also I asked how to submit my evidence and they did not give me any information.

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 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a car through Chrysler Capital on XX/XX/XXXX. The Car was inoperable just weeks after purchase. There were repeated break downs of the vehicle and being unable to pay the monthly note and repairs. I appealed to Chrysler Capital about my situation. They offered me extensions, and deferred payments plans. I took them out of desperation. Along with this offer I did not receive the required disclosures explaining the terms, costs, fees, interest, associated with the deferred payment and extension plans, in itemized detail. The disclosure I received from Chrysler Capital did not consist of this type of information. I would not have consented, had I been warned of the risks involved. There is an outstanding balance due to this. 

The vehicle is faulty. There was a recall for the ignition switch. I have problems repeatedly with the parts that connect with the ignition. This is a case of miss selling and usury. I'm totally dissatisfied with this vehicle. I feel as though my civil rights has been violated according to the TILA Act. Interest will continue to accrue on the remaining balance. My initial maturity date was XX/XX/XXXX. Chrysler Capital stated that I would have finished paying for the vehicle had I not utilized their deferred payment and extension plans. I am seeking relief from the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
PMAB collection continues to harass me with unsolicited phone calls from spoofed numbers and mail me about a debt I do not owe. The bill is question was workers compensation claim and all bills for that claim has been satisfied by workers comp and insurer. PMAB was sent a ceist and desist XX/XX/2017 to stop. which is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote to Experian to dispute an inaccurate entry on my credit report in regards to XXXX capital XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXX XXXX accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/2016 XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX XXXX, and Experian, both my XXXX XXXX accounts still showed me as being late on the dates listed above.

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 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
Hi, Over a year ago I gave birth to my son and paid in FULL all hospital bills. However, they have continuously called me over the past year trying to collect money from a bill that was already paid. Despite the fact I have sent several times proof of payment to the hospital they continue to call me and now they hired a collector. I would obviously pay if I actually owed the money but this isn't the case. This is bringing a lot of stress and could possibly hurt my credit. 

I'm attaching the hospital bill + a copy of my bank statement were you can see that the payment was made + the letter I received from the collection agency. 

I hope you can help me with my problem. Have a wonderful day! 

XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Last year I filled a complaint about a loan Navient is trying to make me pay. Complaint File number XXXX. In the response I received from Navient they reference paperwork attached to the response that is not there. I have no idea what consolidation Navient is taking about. I never signed anything but my deceased ex husband alway ALWAYS signed my name on anything he wanted to. This is fraudulent and I want my name and social security number taken off this loan please. 

I never attended college. I did go to beauty school in 1986. Thats 32 years ago. My small loan was paid off. Any consolidation is from my ex husbands loans from XXXX University. Im not responsible. In my first complaint I attached copies of the judges orderes releaseing me from XXXX XXXX debt. 

Again any signatures with my name were not signed my me but FORGED from my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I filed for chapter 13 bankruptcy. My mortgage is not a part of the bankruptcy. We are paying the mortgage, I can not get OCWEN to stop treating me like my mortgage is in bankruptcy. I do not receive timely statements. They claim I am in arrears for XXXX but that money was added to my mortgage payment. I sent a copy of a letter from my attorney. All I get is more papers and no specific letter addressing my specific issues. The main one, is that my mortgage is not part of the bankruptcy. How can this be fixed? 
Recently they said I am in arrears. I sent them a breakdown of all my payments. I am not in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ameritech Financial
State: IN

Complaint narrative:
I have been with Ameritech since XX/XX/2016. I was told that this payment would go towards a larger payment for so many years and then my loan would be forgiven. Today, after I told them that I received information that they were not doing that, they said, " We have always said we don't pay towards the loan, '' which is not how they sold me to be a part of this program. I have given them well close to 1500, and not one penny has went to my loans. I feel decieved. The supervisor told me not to terminate membership because I am almost done with some type of fees, that would guarantee me my loan forgiveness. I am a single mother struggling to make ends meet, and then to find out, all my money was given to a service that I have never used, XXXX. Throughout all three years, I have never used the service. At one point, I thought it was spam. He would not give me any refund, not even the payment they took today. I also can not contact XXXX, they will not answer. Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.

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 2018-07-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. As of today XXXX XX/XX/XXXX ), they have not yet responded. Obviously, that's longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 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 — Investigation took more than 30 days
Company: Fairway Independent Mortgage Corporation
State: NC

Complaint narrative:
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our XXXXn and XXXX report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XX/XX/XXXX did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XX/XX/XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: MN

Complaint narrative:
On XX/XX/2018 I paid the total amount that was due on my credit card as of that XX/XX/XXXX date. XXXX has a bar that runs at the top that shows you how much you end up paying off based on payment amount. I paid off the entire credit card, $ {$920.00}. After I made the payment, Citibank showed my balance as {$0.00} on XX/XX/2018. I logged in twice that day and that was the balance on my account. Today, on XX/XX/2018 I logged in and saw that my running balance is {$160.00}. In fact, on my " Transactions- Activity Since Last Statement, '' my account shows that I had a running balance of {$160.00} on XX/XX/2018. This is confusing and misleading. 

If I actually owed {$160.00} on XX/XX/2018 that should have appeared on my screen yesterday. This is the 2nd time I have noticed Citibank 's website provide a discrepancy in what I owe and what my balance is. This is incredibly frustrating as I am not sure which balance to believe, and feel like no matter me wiping out the total balance, somehow I still owe something that was due on the same day as my payment. 

I took screen shots this morning to explain this issue. 

I called Citibank this morning to resolve this issue. I spoke with XXXX ( XXXX ) a phone banker in the XXXX, and she said that the {$160.00} are payments that did not post to my account until this morning. I told her it is deceptive and unfair to not provide accurate and real information about a customer 's account. Furthermore, ( even though I strongly disagree that I owe that full amount ), why is Citibank 's website showing that I had a running balance of {$160.00} on XX/XX/XXXX today but yesterday it showed that I had a balance of {$0.00} at XXXX different points when I logged in? I don't want to feel like I am never fully paying off this credit card. XXXX kept explaining that it may be a matter of a charge that just came on my account that was pending. That still doesn't explain why my statement shows I had a running balance yesterday after I made a payment. I asked to be connected to an escalation team or someone who handles disputes. She only offered to transfer me to her supervisor of technical support. That does not provide me with an appropriate avenue to address my concerns!

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 2018-07-03 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: IL

Complaint narrative:
This my second complaint in addition to my initial complaint which was closed. 

I joined XXXX loan service forgiveness program and account was switched by XXXX to FedLoan my XXXX payment of {$500.00} was due to XXXX on XX/XX/XXXX. It was paid in full and on time. XXXX then switched over my accounts to XXXX two days later on XX/XX/XXXX as the servicer. Once i received the login info for fed-loan and logged on to pay my XXXX installment to the new provider, I then discovered that my accounts were delinquent and 30 days past due. I then contacted XXXX XX/XX/XXXX to find that my payment was not transferred over. I was told that will take up to 60 days to appear in my account. I have submitted various proof including bank documents to XXXX XXXX XXXX and have received ZERO response. It is now XX/XX/XXXX which is well over 60 days past the stated date. XXXX has yet to credit my account when i have provided AMPLE proof including my bank records that this payment was in fact made and no payments have been missed. This has caused my loans to further appear in delinquency as well as negatively affect my outstanding credit score. In order to avoid this I would be forced to make another payment immediately which would cause me financial hardship. I have called almost weekly since the beginning of XXXX to be told no one can help me, and then XX/XX/XXXX they said the billing department finally received my proof which I sent XX/XX/XXXX and it was sufficient. It is now over 10 business days since i have recieved this information and over 16 business days since i sent the proof after months and months of this ... .. and yet still my account is showing an owed balance of {$500.00}. I would like XXXX to apply my money to my account. It is strange to me that my payment process in 3 days however getting a credit has taken months? I feel that XXXX is trying to steal my money and as I said this is negatively affecting my credit score and my ability to purchase other items due to this. I do not think I should have to be punished as someone who pays their bills on time and works very hard to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote to XXXX to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXXt card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, Transunion, XXXX and XXXX both my XXXX XXXX accounts still showed me as being late on the dates listed above.

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 2018-07-03 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: CA

Complaint narrative:
On XX/XX/XXXX, I wrote to XXXX  to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit  card accounts. My credit report showed that I was late on my XXXX XXXX credit card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX, Equifax, and XXXX, both my XXXX XXXX accounts still showed me as being late on the dates listed above.

Company response to consumer: Closed with explanation