vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I called CashNetUSA on XX/XX/2019 and another day last week to ask for lower payment amounts because me and my husband separated and my daughter lost her health insurance and Im having financial hardships but they wouldnt help they asked if I needed to borrow more money. But I just wanted lower payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.Even though its an identity theft claim, a 30 day re-investigation process is required. In the event that Equifax decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Please be advised that Equifax, at this time, will not block the information subject to the Submitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf ''. Equifax made its decision not to block items identified as fraud/heft. No reason was provided. A blatant disregard to the FRCA Section 605 ( b ).  Provided the Following A copy of Police Report A copy of my credit report I received from your company. The fraudulent items are Listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B/609E of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
All proof of respondents and faxes. 
And responses

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good morning, I have been a member with Chase Bank for quite some time. I have a number of transactions on a regular. Owning over five websites, XXXX stores, along with XXXX stores. Most payments come into my XXXX account. However whenever a check payment is made it goes to Chase Bank. This is my hard working business. Recently a customer purchased a furniture set and other appliances. I pay the suppliers and they ship the products out. After the check was deposited and cleared my account became restricted. Not being able to make ANY payments for any bills. Ive contacted Chase bank. The customer Ive also contacted to call Chase as well. Ive been assured the funds are available from the customer. This is not fair and is inconsiderate of a Bank to treat hardworking members this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
When deposits hit my account the same day *checks* clear. The bank purposely clears the checks first to charge overdraft. 

Then the reflected balance indicates everything went through. Then 1-2 days later everything goes negative even though I had the funds in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2019 a representative called my house phone, I wasnt available so my XXXX daughter answered. After my availability was stated the representative was aware that I wasnt available and he continued to speak to my minor daughter. He explained to her that I owe the company money and if the debt wasnt paid I will be going to jail. Unfortunately because I wasnt available I dont know all the details of the conversation. I found out that night when my XXXX XXXX XXXX daughter woke me up crying, asking if I go to jail where will her and her siblings go live, which had confuses me. my daughter explain to me what the representative on the phone said to her, she then told me she took it upon herself to pay the in accurate debt due to her being scared with my debit card. I question my daughter about the payment and she told me that the representative walked her through the payment process. He gave her some type of number. When I noticed the name of the company it had become familiar that I just received something in the mail from them a few weeks prior. Not only they made a XXXX XXXX XXXX pay this account, but the amount was inaccurate. I then asked my daughter why would she make any payment without coming to me first and how much was this debt? She said {$1600.00} I lost my mind. I went to go look for the letter that was sent to me a few weeks back. When I found the letter, Not only it was unacceptable but it was the wrong amount. The representative made her pay {$1600.00} and the man knowing the letter of the debt states {$1300.00}. I have submitted both the letters for {$1300.00} settlement notice and a confirmation of payment of {$1600.00}. I spoke with my children and explain to them that under no circumstances they are allowed to pay anything without my consent since then Ive been getting harassed with letters and phone calls from Chase bank stating I still owe a debt although in the past I had submitted police report of a home invasion showing my information was stolen and missed used. I also told chase and client services, obviously it was someone who I knew or know and who is always in my home, but I couldnt pinpoint who it was because I have multiple people in my home which at this time I did stop everybody from coming to my home, because Im not sure who has done this. i just received a letter in the mail on XX/XX/2019 from XXXX from chase harassing me including calls. i explained although the debt was paid inappropriately by a child, but the debt is paid and to please stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: DE

Complaint narrative:
Flagstar Bank, XXXX XXXX XXXX XXXX, MI XXXX is engaged in an unfair and deceptive practice with regards to making mortgage loan payments. 
Our mortgage was recently transferred to Flagstar so I called to set up recurring payments. I was asked if I would like to set up bi-monthly payments that would save on interest costs over the life of the loan. 

I know the difference between bi-monthly and bi-weekly. I specifically asked the specialist if the payments would be taken twice per month, reducing the outstanding principal with each payment, thereby reducing the interest paid monthly to reduce the term of the loan. She responded yes that was the case. I asked the question again, just to be sure of what was being offered and again she answered in the affirmative. 

I agreed to have the paperwork sent to me, but upon reading it, realized the agreement did not match what I had been told on the phone. The agreement would take the normal monthly payment ( e.g. {$1000.00} ), divide it in half ( {$500.00} ) and deduct that amount from my checking account every 14 days ( 2 weeks ), not  twice per month. So there would be months where three payments would be made instead of two. These payments would be taken and held in advance of the due date, so even though I have lost the use of the funds, it would not count towards principal reduction. Additionally, the {$500.00} example payment would be held and unapplied until a full {$1000.00} payment is deducted. So, the 'benefit ' of the program would only be realized at the end of the year. 

I understand that the paperwork states bi-weekly but that is not how it is described on the phone and sold to the consumer. Furthermore, the consumer should get immediate credit against the principal balance, for the deducted funds taken every two weeks.

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
reported inaccurate information about me which cause me not to get approved ID Theft victim

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 2019-05-24 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My Auto loan is due on the XX/XX/XXXX of each month. On XX/XX/2019 I decided to refinance my auto loan. I reach out to my auto lender on XX/XX/2019 to informed them to expected a certified check by USPS. I gave Ally the certified mail receipt tracking number. Ally received the certified check on XX/XX/2019. on XX/XX/2019 I received an alert on my credit file that my auto loan payment was 30 days late. Ally reported this information to the credit bureau agencies on XX/XX/2019. I been in contact with Ally they keep telling me that they will investigate the issue, but there has been no resolution. Make matter worse I just received another alert on my credit file from the credit bureau agencies say my auto loan with Ally is 30 days late.

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 2019-05-24 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: SC

Complaint narrative:
XXXX  XXXX is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX and this needs to be 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 2019-05-24 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
This account doesnt belong to me. This company reported this before and it was removed. now they have added 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 explanation
Consumer complaint received 2019-05-24 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: SC

Complaint narrative:
XXXX XXXX is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX  and this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: SC

Complaint narrative:
Dish network is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX and this needs to be 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 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech is the servicer of my loan. I have been trying to obtain information on when PMI will drop off my loan. I sent an email on XX/XX/19. I never received a response. I called the company on XX/XX/XXXX after not receiving a response. I spoke to a representative who essentially told me that I didnt get a response to my inquiry because my loan was transferring. They are still my loan servicer at this point. They should still be answering my questions. I asked the representative my question about my PMI. She then proceeded to tell me that I am at 103 % of my loan. I asked for calculations on how she was coming to that figure and she couldnt tell me. The loan was taken out for approximately $ XXXX and I have a balance of approximately $ XXXX. I am not understanding how she came up with her percentage. She couldnt transfer me to a supervisor or manager. She then told me she would let me go and I would get an email from their company with a response that day. It is now Friday, XX/XX/XXXX and I still have not heard a word from this company. I think they are trying to rip me off and charge PMI longer than they need to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Utah System of Higher Education
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX by uheaa will not allow me to make a principal only payment. I am currently paying more than my contractual payment requirements and would like to focus on paying down the principal balance. When I have contacted the servicer in the past, they have informed me that this is not possible and any accrued interest would have to be paid first. I would like to have the option of paying only principal. Additionally, when I navigate their website, the links to the payment application information ( how my payment will be applied ) do not work. I would like be to provided with the payment application that explains how the payment hierarchy works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: OH

Complaint narrative:
I have provided Experian documentations twice of my correct address. They have a copy of my Driver License that was sent certified along with my dispute letters. I have continuously tried to contact Experian and have fail to get through to a representative. I even contacted the fraud department and still no possible way to get a live person. This is an urgent matter. There are several personal information reporting that does not belong to me. Also inquiries that are also reporting that I did not authorized. I had a security freeze and I am concern as to why it was not active when these unauthorized inquiries applied to my credit report. I also contacted two creditors who stated they have requested to remove the inquiries, however theyre still showing. And this was in XXXX.

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 2019-05-24 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: U.S. BANCORP
State: IL

Complaint narrative:
I was involved in an employment scam which started on XX/XX/19 I was required to purchase items on my Credit Card. In which the fake company reimbursement me using what I found out now is a fake account number. So I made the purchases paid with the account number then my balance on my credit card was restored so I made more purchases since the payment seem to have went thru I shipped the product out. After 6 weeks of this all of the charges came back to my CC as the payment was denied. At that point I found out I was being scammed.

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 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I applied for a bank promotion. I have met all the qualifications as required. They are not paying the account bonus. I will attach records to prove it.

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 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I have no idea who Acceptance Rentals Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Acceptance Rentals Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Acceptance Rentals Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Acceptance Rentals Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Acceptance Rentals Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I obtained a {$5000.00} loan in XXXX in anticipation of having a tax bill and other expenses coming up. The girl that I signed the documents with only had me sign the signature pages and had me skip all of the other pages with the details of the loan to try to get me out of the door as soon as possible. They signed me up for online access to my account, but they did not give me any physical paperwork with an account number, loan amounts, interest rate, etc. I kept getting emails about statements being available, but didn't even have my login information that they set up on my behalf. I finally get logged in today and see that my {$5000.00} loan is listed with a {$5900.00} starting balance. I repeatedly told the girl that I did not want any insurance or any add ons on my loan. Apparently she didn't listen, the statements don't even list an interest rate, and my monthly payment is barely touching the principal on an amount that is not even correct! OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Applied and was approved for an XXXX XXXX XXXX  credit card. The APR is based upon your credit score. My current credit score is XXXX. 

XXXX XXXX sent me the card with my credit score listed at XXXX and assigned an APR of 27.24 %. This is a total scam. 

I have cancelled the card, but I hope you investigate this terrible company

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 2019-05-24 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NFCU has NOT responded to complaint submitted a month ago and did NOT resolve complaint when I went to branch in person. Manager XXXX called and left me a voicemail asking me to call her back but she failed to provide a DIRECT phone number. XXXX????? COMPLETELY UNACCEPTABLE CUSTOMER SERVICE!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation