vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: DC

Complaint narrative:
In XX/XX/XXXX my Discover Student Loans started in repayment. I received an email saying {$540.00} was due and I promptly paid that amount on XX/XX/XXXX through the website. When my XXXX bill was due, the website showed that I paid in XXXX, but the total amount due for XXXX did not reflect that payment. It showed I owed {$1000.00}. I called Discover because I could not make that large of a payment, but I did make what I thought should have been my monthly payment of {$540.00} on XX/XX/XXXX. I didn't realized at that time that the company did not apply my first payment correctly, so I asked if I could skip remaining payment for the month of XXXX. They agreed for me to skip the remaining XXXX payment and have the cost added to my monthly payments for a year starting in XXXX. However, when I next checked how much was due, the total number reflected both the XXXX and XXXX payment, as well as the increased payment for XXXX ... all due in XX/XX/XXXX. I called Discover back and on this second call, they realized they had never applied my XXXX or XXXX payments of {$540.00} correctly towards the principle. At this time, they removed the payment plan I had set up to start in XXXX and told me they would apply my XXXX and XXXX payments correctly so that I would simply owe another {$540.00} in XXXX. The Discover representative apologized and told me he would submit a report to Discover 's headquarters about the incident. Today I called Discover back again after seeing that nothing was fixed and they now wanted {$1600.00}. This time, I was again told that the problem would be corrected in Discover phone encounter XXXX ( unfortunately, I did not write down the phone encounters for previous calls and I have no receipts ). I am submitting this claim because calling Discover multiple times has not solved the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or about XX/XX/2018, XX/XX/2018 and XX/XX/2018, I sent written notice to XXXX   XXXX and Trans Union that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only XXXX provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties

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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XX/XX/2018, 7XX/XX/2018 and XX/XX/2018, I sent written notice to Equifax, XXXX and XXXX XXXX that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only Equifax provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX XXXX. 

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a  decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX   Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure. 
Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied. 
As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I ordered an item from the XXXX XXXX XXXX work.After I received the item I get a card from a credit card company.So I call XXXX and ask why the card .They say I signed up for it on the order.I say no I didn't.Dobthe tell me to call the company and cut up the card since I hadn't used it.Thats what I did .The company said the order was part of the deal.The amount grew from what was originally stated. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation
State: MN

Complaint narrative:
I recently checked my balance on the card and was told by the company that there was XXXX $ in my account, I then attempted to use the card to withdraw XXXX $ from an atm and was told there were insufficient funds. Immediately afterwards I checked my balance and was told there was XXXX dollars in the account with no explanation as to where the XXXX $ went. This all occurred on XX/XX/18, there was less than an hour in between the times I checked the balance and no explanation as to what would cause a XXXX $ disparity when no purchases were made on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Manhattan Beach Venture, LLC
State: SC

Complaint narrative:
Applied for a loan in XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XXXX, XXXX, XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XX/XX/18 : Saw a car listed on their website. PRICE IS CLEARLY {$8900.00}. Inquired about it and eventually applied for financing.XX/XX/18 : Received a call from XXXX informing me I had been financed. Told me the FINANCE COMPANY raised the price of the vehicle from {$8900.00} to {$11000.00}. I have another account with the company so when he mentioned the name I decided to hang up with XXXX  and give them a call. This finance company had no idea what I was talking about! Furthermore, the finance company explained to me in detail why they have nothing to do with car pricing. I immediately called XXXX back, explaining to him I knew someone was lying. He transferred me to XXXX  who made up a seemingly ridiculous story about finance companies " charging fees '' because I was a higher risk borrower. She stood by their claim that Credit Acceptance Corp ( who I have already filed a CFPB complaint against ) insisted on charging me a " fee '' of {$3000.00} in addition to requiring $ XXXX/monthly for 48 months on a ten-year-old car.

Summary : Car original price = {$8900.00}. XXXX & XXXX tell me we have a deal with Credit Acceptance Corp. CA is requiring a " fee '' of {$3000.00} immediately added to the sticker price of {$8900.00} ( which CA denies ). I am told to pay {$3000.00} fee + {$2500.00} down payment + ( {$430.00} x 48 ) = {$26000.00}!!!! Again, it has to be illegal and unconstitutional to pay over {$26000.00} for a car originally priced at {$8900.00}. All of these subprime lenders and car lots are LIARS that just want to SCAM innocent Americans, forcing desperate people into deals they know are horrible and probably illegal. They should be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Made over the phone payment on XX/XX/2018 in the amount of {$99.00}. Payment ID # XXXX. It shows on their end payment is still processing and failed to notify me about the issue. I contacted my bank and they are unable to locate the any issues. TDRCS/ XXXX XXXX FOR LESS acknowledges that there is a problem but is doing nothing to fix it. They lowered my credit limit due to the payment being late. My credit has now dropped XXXX points and TDRCS said their is nothing they can do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In late XXXX of this year a contacted a lender about refinancing my current mortgage. During that process it was discovered that I had a past due amount for property taxes totaling XXXX. I checked with the county and sure enough my property taxes had not been paid. This was the first time that I became aware of this. I escrow my property taxes and insurance into my mortgage payment which has been paid on time every month. I contacted my current mortgage company, Freedom Mortgage to find out why they had not paid the taxes. They assured me that they made the payments. In fact, they claimed to have made three ( 3 ) payments ( XXXX, XXXX & XXXX ). After some research on their part they discovered that the payment they sent in XXXX was returned because it was for the incorrect amount. When it was returned they failed to issue a new check and get my taxes paid. I inquired as to why so many checks were written to pay my taxes ( as they were not partial payments but full payments ). They did not give me a clear answer, only that they send bulk checks to the county. However, they claimed that the three checks that they sent on my behalf were not bulk checks but individual checks just for my account. Despite this, they do not know what happened to the XXXX and XXXX check as it was only the XXXX check that was returned for the wrong amount. It would appear also that they waited until the very last minute to pay the taxes because the bills go out in XXXX ( in XXXX county we have until XXXX the following year to pay ) yet they did not send a payment until XXXX. 

In good faith I make my monthly mortgage payments which includes escrow so I expect my mortgage company to pay my property taxes in full and on time. I have now suffered harm as a result because in the process of my refinance the delinquent taxes will now cost me money because it will have to paid by new lender and added onto the loan. Therefore, Im forced to take a higher loan amount if I chose to go through with the refinance due to my current lenders incompetence and what appears to be funneling of money. They need to be thoroughly investigated. Ive uploaded a copy of my annual escrow statement which was sent in XXXX which shows how much was paid into escrow and how much they claimed to pay out, yet my taxes are delinquent. Also uploaded is a copy of the county 's invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a 0.00 % Promotion balance transfer balance of around {$3000.00} that was not set to expire until XX/XX/2019. I used the same card to make 2 large purchases, and ended up returning those purchases. The credits for those returns went toward the promotional balance instead of the purchases balance. This seems highly unethical and fraudulent to solicit, promote, and advertise promotional balance transfers of 0.00 % just to in turn pay off the promotion balance using credits that were the result of a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: GA

Complaint narrative:
Hello. I am filling a complaint because I have submitted a dispute to Experian for a bankruptcy on my credit file. I asked them to investigate the information and if it was valid. They responded and told me that the courts verify the bankruptcy information. I wrote them a letter asking them to inform me of their method of verification they use to verify that this is correct on my credit file. They did not respond and simply said that the information was verified. I called the courts and a woman named XXXX informed me that the CRA do not verify with them ( XXXX Bankruptcy Court ). I am filing this complaint because i have a right to know their method of verification based on the FCRA and they will not provide it to me. I have attacthed a copy of the letter i sent them and pictures of the responses. I find it very hard to believe that Experian verifed this info in 3 days and over a holiday weekend ( XXXX XXXX ) at that. I do not believe they are treating me fairly in how they are verifying this supposed information and they are violating the FCRA by not providing their method of verification which I am entitled to.

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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Well for the past few months I have contacted Capital One requesting someone speak to me about my accounts that I have with them and the issues I had faced when I went through a very bad divorce and lost of income at the same time. Now I have been a customer of Capital One since XX/XX/XXXX and one in XX/XX/XXXX the  following year so you see I had a great relationship with them at least I thought it was good. I have always paid my bills with them and if for any reason I was late due to computer or forgot to make payment they have always worked with me and refunded back fees. Well in XX/XX/XXXX I lost my job and things got real hard for me and my daughters. I had a almost XXXX year old and an XXXX year old watching me struggle to keep things a float, this lasted months just unable to pay them even the minimum payment in XXXX I was hit with my first late payment that killed my spirit. Since rent was more then I could handle after my husband left us. Not to say it's anyone 's business and they should feel sorry for me but I am and have always been a great customer. All my accounts started going down hill they were being charged off right in front of my eyes and there wasn't anything I could do since I was unemployed and every little bit of money I did have I used on the house to keep roof over me and my kids heads. 
Well I went XX/XX/XXXX thru XX/XX/XXXX trying to find work and pay the credit card companies whatever I could and some accounts closed and charged off but with me I knew all these were my bills so I was going to pay them all off even the charge off ones even if it killed me as these were my responsibility. An amazing thing happened for me finally I found a job and was able to pay my bills again it took sometime but I did my best to give every card company something. Then in XX/XX/XXXX I logged onto any account I could still get into and paid off all balances with each card charged off ones, open accounts all got paid in full. Anything that went into collections and was sold to another vendor I paid off. Well in doing that I was able to get some of my credit card companies to reset my late payments that had made it to my credit report. Today I battle the fact that someone has stolen my identity and I spend my days calling the bureaus and credit card companies asking for forgiveness and along with putting alerts on my credit cards and reports.Being late isn't something people plan or what to do at least not me but all of this hit me hard when I hit hard times and couldn't afford to make my payments on time and was hit with late payments on my credit report. My hands were tied since I couldn't afford to pay but the first chance I got I did pay off everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: CT

Complaint narrative:
On XX/XX/2018 a certified letter was sent to XXXX XXXX C/O XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC  XXXX asking if they could validate this debt that they said I owed. I also contacted XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX in trying to have this matter resolved but no answer

Company response to consumer: Closed with explanation