vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor Credit tells you that your payment is due on the XXXX of the month and you have 15 days before it is considered late. So, the XXXX of month is 15 days later. However, when you call to pay them, they wait 2 days to process your payment. Payment must be made Monday - Friday before XXXXXXXX XXXX. and payments made on the XXXX, XXXX and XXXX are not posted until 2 days later. Then they charge you late fees even though they received the payment before the XXXX of the month. And they report you to credit bureau for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The interest rate on my Nelnet-serviced loan recently increased by nearly 3/4 of a point. I received no notification of this change, and was directed to the servicer 's current rates page ( https : //www.nelnet.com/cXXXX  ). My loan rate on this page reflected a lower rate. 

I was then told to look into the rate with Congress as they set the rate. A website I was given indicated that changes in my rate should be discussed with the loan servicer due to the age of the loan ( https : //studentaid.ed.gov/sXXXX ). 

I was told that a mass email about the rate change was not sent to my account or email address, and that there was no way to have it re-sent. 

Several requests for third-party confirmation of the rate were denied. 

At every turn, Nelnet has engaged in practices designed to maximize interest payments, so my skepticism with this unproveable rate should not be cast aside. 

Nelnet should be required to notify customers when their rates are nearing a change, and provide third-party proof that the rates being charged are accurate as per decisions by Congress to increase them. Further, they should be required to maintain accurate information within their website with regard to the rates they are charging on billions of dollars worth of loans. 

These practices would not be acceptable in any industry outside of student loans, and should not be acceptable in these instances either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
The Department of Justice instructed you on XX/XX/XXXXabout the criminal and looting activity of this filthy lying firm to investigate their criminal activity since is a custom of those lair to defraud people lie to their own clients def-rod them and find guilty at the superior court of PA and this was done together with the criminals from XXXX the most corrupted looter organizer on this planet.I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a  XXXX year old lady for a balance of only {$0.00} and a XXXX  person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any terrorist organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently. I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX  named XXXX XXXX XXXX. was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/2016 about those activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: Ameritech Financial
State: KY

Complaint narrative:
I received info about XXXX XXXX XXXX XXXX as an option to help me lower my monthly payments on my loans. I contacted them and they were very friendly and helpful and I have been utilizing them for four years now. Then my husband graduated and I told him to do the same because it was great. So he did, but this time they were calling themselves Ameritech. Still very nice and very helpful and although that seemed weird we went with it. Then two days ago we received a letter from the United States of America Federal Trade Commission advising us that Ameritech was being sued for deceptive practices and that we should look into our services. I contacted my lender to learn that I was on a $ XXXX  monthly payment due to a family size of XXXX. That is much larger than my family is. I did not understand that is how my monthly payment was so low. I paid them {$49.00} each month for four years in addition to initially paying them {$1200.00} over four payments to initialize the program. So for four years I have had a " {$0.00} '' payment and paying them each month, all the while my interest has been sky rocketing on my student loan. My husband pays them {$74.00} each month for a " {$0.00} '' monthly payment. I feel so ignorant now that I didn't see this as deceiving until we called to check in with our lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
XX/XX/2018 CAPITAL ONE PHONE PYMT XXXX XXXX   This is showing you what it looks like in my checking account which only is Social Security XXXX XXXX. Capital One took money without permission and I thought my funds were exempt. Now I am overdrawn, my account is frozen and I can not pay my bills or get groceries to eat.

They are from HQ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX   Please help me. I am I destress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I mistakenly submitted and extra {$1000.00} in paying off my loan. That check along with my payoff check of {$3100.00} ( a {$3.00} over payment ) cleared my account on XX/XX/2018. I phoned XXXX XXXX XXXX at XXXX and spoke with a woman named XXXX. She acknowledged the payments/payoff and notified me that my over payment would be sent out after 45 days. After telling her this was not acceptable I asked to speak with a supervisor. I was transferred to XXXX XXXX, she told me that I would be paid in 21 business days, again not reasonable! I offered to send her copies of my cancelled checks and allow them to verify that the checks had cleared, she declined. I feel that XXXX XXXX XXXX is committing an unfair and deceptive act or practice, they do not outline any of their policies regarding this in their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have several times disputed an account that i noticed at the start of XX/XX/XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XX/XX/XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XX/XX/XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having transunion, XXXX, and XXXX remove this from my report as soon as possible.

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 2018-07-05 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: CA

Complaint narrative:
There is a collection account ( XXXX XXXX ) on my Experian credit report that is the result of a credit card I did not open. 

I've asked Experian to remove this account in the past. 

As the official removal date is XX/XX/2019, I am asking for an early removal of the XXXX XXXX account, taking into consideration my earlier disputes about the account and the proximity to the XX/XX/2019 date. Many thanks.

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 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to purchase my lunch with the funds on my American Express Serve card. My transaction was declined. I accessed the AME Serve App that I installed on my phone and saw I had a negative balance. I can not swipe and overdraw this card if I wanted to. My negative balance was the result of AME Serve fraudulently duplicating two transactions from previous days ; one for {$33.00} and another for {$6.00}. I called AME and held for 30 minutes and was told it was a system glitch and the funds would be returned w/i 3 hours. This was at XXXX. Well by XXXX I still did not have my money. This left me in a bind as the money they took was my gas and lunch money. I was displaced due to Hurricane Harvey and am now 45 miles one way from work. With AME serve taking my funds, I had no gas to get home and no money for food and I have no friends or family out here. I attempted to call AME back but was told they were not accepting calls due to technical issues. I called back on XXXX and held for 1.5 hours to speak to someone and was told it would take a day to get my funds back. Only part of my money was refunded back. I did not get the rest of my money until today XX/XX/18. As a result of their system glitch it cost me {$65.00} to get home instead of {$20.00} in gas. I also had to embarrass myself and borrow money from a co-worker for lunch and they charged me {$5.00} in interest. I need AME to reimburse me {$50.00} for the cost I had to incur as a result of them taking my funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
On XX/XX/XXXX, I attempted to use my debit card and it was declined. I contacted XXXXXXXX XXXX and was told that they could only tell me that there is a garnishment and the Law firms name is Frank and Kramer. The woman at XXXX gave me the phone number XXXX to call. I contacted them immediately and left a voicemail stating that I dont understand because I never was summoned or court ordered or served. I then contacted my parents and was informed my mom, XXXX, has been paying a garnishment to Frank and Kramer out of her check each week in the amount of {$50.00}. I attempted to contact the bank again and asked for the court order/ case number. The young lady refused. I asked for the amount of the debt and was given a figure of {$3000.00}. I demanded an investigation. The woman referred me to call back when the garnishment department is in. I informed her that I asked an attorney about this and was told it sounds to be illegal unless I failed to appear in court after a summons. My father called XXXX and was told to come into a XXXXXXXX XXXX and request to be removed as a secondary on my account as I am XXXX and have lived on my own and my money is for my bills to live. XXXX informed him that they could not remove his name, refund the funds or make any changes. He contacted Frank and Kramer and was told they can take everything in my account because my dads name was on my account when we opened a student account in XX/XX/XXXX/XX/XX/XXXX with XXXX. In addition, they drained my sisters account too. From my personal account, Frank and Kramer took the following : on XX/XX/XXXX: - {$50.00} - {$2000.00} On XX/XX/XXXX : - {$250.00} - {$18.00} I now am left without any money to get gas in my car, pay my car payment, pay for groceries, pay rent, pay utilities, get prescriptions that are medically necessary, or pay any credit card bills or other bills. I have XXXX scheduled next week and have no idea how I will pay. My paycheck will be deposited tomorrow and I can not access it now. I am completely without a source of money to live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial did not notify me regarding a payment that did not post on time. I called after learning the Payment was late and was told they called a number that is not correct and they apologized for the error in notification. At the same time they noted a delinquent mark to the credit bureaus despite not giving me the chance to make the missing payment. 

I would credit report corrected since I was not advised of the payment issue and would like ally to confirm new contact info. Also would like late fees returned or credited to account. 

Thanks XXXX 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 explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The credit card company, Chase, closed my account and I can not longer use it. 
At the time is was closed the interest rate was 8.49 %. I have been making payments to pay off the balance that was due when they closed the account. 
Now I see they have raised my interest to 9.49 %. Now on this statement I see it has raised again to 9.74 %. Isn't there a law that says if they close the account I can pay off the balance that I owe under the same terms? ( 8.49 % ) I called them and talked to them and they said they can raise my interest rate even tho they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I have written to Wakefield and associates requesting validation and to cease contact until I have received validation of the alleged debt. I sent this letter certified mail which they received on XX/XX/2018. XXXX from Wakefield and associates called today to attempt to collect on the alleged debt. He tried to offer me a settlement amount and or payment plan. I notified him of the letter that was sent. He acknowledged that they did receive the letter and continued to try and collect the said debt. At this time I notified him that he was violating my rights as a consumer and to please send any further communication via mail and then terminated the phone call

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 2018-07-05 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: MD

Complaint narrative:
on XX/XX/XXXX I made a payment of {$2700.00} to Discover student loans to pay off my student loan. On XX/XX/XXXX the money was puled out from my XXXX XXXX account for the amount of XXXX Discover student loans only applied the payment for {$50.00} I called and they said it would be resolved. 
I have been calling Discover for 2 months to get this problem fixed. At one point, they even sent me a letter and applied the payment on XX/XX/XXXX, On XX/XX/XXXX they reversed the payment, saying that maybe the money was sent back to me via ACH. I sent them copies of my bank statements proving that it had in fact not been sent back to me. 
I spoke them them again of the many times, they said they found it and they now a system error was preventing them from applying the payments. 
Every time I call I have to explain the whole thing over, I have spent a grand total of 8 hours on the phone of two months trying to get this resolved, that is a full day of work, not to mention the emotional distress, I've been hung up on, calls not returned, interest not earned on money in my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I lost my job and immediately completed an Income Based Repayment request showing XXXX  income. I received an email from Navient, my federal loan servicer, stating that my payment would be {$0.00} beginning on XX/XX/XXXX. Upon logging into my Navient account online, they showed a balance of {$7.00} due XX/XX/XXXX.

I called customer service and spoke to a representative by the name of XXXX who said that the {$7.00} charge stems from a late fee. I show no record of ever making a payment late, so I asked when the fee was assessed and for the amount. He said that the fee was assess XX/XX/XXXX. I explained to him per what I was seeing on Navient 's website that a XX/XX/XXXX payment was made timely. After 45 minutes of being placed on hold, XXXX  came back to the line and then said that the fee was assessed by a previous loan servicer -- not by Navient. Again, I asked when the fee was assessed and the total charge of the fee. He placed me on hold for an additional ten minutes and came back to the line stating that he didn't have the information since it came from a previous servicer.

I asked to be transferred to a supervisor. After a 15 minute hold, I was transferred to XXXX, a Navient customer service supervisor. She said that XXXX   charged the fee ( I do not recall XXXX  ever servicing my loans ). Again, I asked when the fee was charge and for the amount. She could provide no information, and said instead that the " back office '' of Navient would have to investigate this further and get back to me. She indicated that Navient took over my loans in XX/XX/XXXX so this fee stems from some time before XX/XX/XXXX. It's now XX/XX/XXXX. I never recall being late on a payment. And now I find out that I've been paying a late fee for 7+ years that I never knew about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit
State: CA

Complaint narrative:
I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX  due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: AL

Complaint narrative:
I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, equifax, and XXXX remove this from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief