vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. 

I wasnt able to catch the name of the company however the contact phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
An automatic charge was made to my Capital One account and the card company did not provide me any notice of the charge. I subsequently accrued late fees, which affected my credit charge. I paid off the late fees, even though I disputed them, but they will not release the rewards that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I first found out this debt was sent to collections via phone only and never received a notice a call at all even up to today. I spoke with XXXX XXXX regarding the account in the month of XXXX. I updated my address as well since it was inaccurate. I informed the company that I am disputing the debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would need to get back with them once resolved. The representative threatened that he will report this on my credit and will impact anything i get in the future if a payment was not made today. I was forced to pay account after continuous calls and threats from the company and never hearing back from XXXX XXXX XXXX which a complaint was filed against them with CFPB as well. More importantly, the representative assured me that if I made a payment prior to XXXX therefore the account will not be reported to the credit bureau. I made payments on XXXX & XXXX which totaled out to be {$320.00} and satisfied the entire balance. Recently, I looked at my credit report and see that the account was on my credit. The company lied and harassed me until I made a payment and even smirked when I told him that I am disputing the account with XXXX XXXX XXXX. Also, I sent an email requesting the company cancel any collection attempts until account is resolved with XXXX XXXX XXXX on XXXX/XXXX/17. I never received a response from them at all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I saw an ad for notary jobs on XXXX from XXXX XXXX XXXX XXXX. I signed up for all three classes. I took two classes at {$190.00} each. It was n't until the second class that XXXX XXXX XXXX XXXX told the students they do n't have employment, they only do training, and that is not what I signed up for. I should have checked with the XXXX because this company is a scam. I did not take the third class that cost {$340.00}. I have been working with Capital One since XXXX of 2017 trying to get this resolved. Capital One is charging me for all 3 classes, plus interest. Capital One is charging me {$740.00} to XXXX XXXX, the amount should only be {$390.00} since I only took two classes and I would like to dispute that amount as the classes were not as advertised. If push comes to shove, I am willing to pay the {$390.00} and mark it up as a lesson learned in order to save my good credit rating. I am not willing to pay an additional {$340.00} plus the interest Capital One is charging me, for a class I did not take. 

I was another victim of a scam. XXXX XXXX XXXX XXXX has scammed quite a few people, but Capital One should have had my back. I was a good customer, always paid my bill on time and had an excellent rating with them before this happened. I have called Capital One many times and have sent them the attached documentation. I finally cancelled my credit card. I had a zero balance before this charge of {$740.00} and now with interest it is up to {$830.00} and it just keeps getting bigger. If you can please help me with this, I will sincerely appreciate it. I am at my wits end and do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
Long funding loc. XXXX XXXX XXXX XXXX. 
Had a courier give my husband a paper telling him it was a summons. No case file number not filed. It says if I did not answer it within 30 days judgment by default can be used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet , Inc. ( XXXX XXXX XXXX ) was the servicer on my prior student loan. I refinanced my student loans through another loan provider and servicer. XXXX did not process the loan payment until over a month after the refinancing check was sent. They then backdated the processing date of the refinancing check to the date of its initial disbursement. None of this is of particular concern, except for the lag in processing time required me to make another installment payment on my student loan. This meant that, including the refinancing check, my loan was overpaid by a substantial margin ( approximately two months worth of overpayments ). 

I called XXXX to check on the overpayment. They did not indicate they would automatically send the " credit '' for the overpayment. Rather, based on my conversation, it seemed as though the consumer had to call to have the overpayment credited back to the consumer/the refinance provider. My loan was paid in full on XX/XX/XXXX. Overpayments occurred on XX/XX/XXXX and XX/XX/XXXX. XXXX has indicated that payment is forthcoming, however, I still have not received a credit for my personal overpayment or the overpayment by the refinancing provider. 

I can not tell is this is just ineptitude on the part of the servicer or bad faith ( i.e., delaying the processing of refinancing payments, which forces consumers to effectively overpay by 1-2 months, then not automatically crediting consumers with the overpayment amount ). In any event, taking over two months to refund a consumer amounts paid over the principal + interest outstanding on a loan is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Hello, My issue with my mortgage company ( PennyMac ) is the process of removing the PMI from my mortgage. Penny Mac asks me to pay for the appraiser and they choose the appraiser who appraise my house. Last when I started the process to appraise my house, they scheduled an appraiser on XXXX XXXX 2017 to come to my house in which the appraiser did and he told me it takes him 2 days to complete the appraiser report and send it to the company. My house was appraised on XXXX XXXX 2017 and since then I have been calling PennyMac and was told they have not received the appraiser report from the appraiser, which contradicts what I was told by the appraiser himself. 

Anyhow, I have called and kept calling Pennymac and keep getting the run around and wait on the phone for several minutes and then I get the message from them saying they ca n't do anything until the appraiser report come to their office. 

Currently the prices of my homes in my community has raised significantly to the point that I should have an equity to remove the PMI from my mortgage, and I believe PennyMac is trying to dictate the outcome of the appraiser since they do not want to disclose it to me after nearly a month of the appraiser date. 

Also I think mortgage companies should not dictate what appraiser company should be used as long as it is a certified appraiser by the state where the property is located. 

Please let me know how I can get my appraiser report from PennyMac since I am paying for it. And how can I get rid of the PMI from my Mortgage since I met most of the PMI regulations as I read it on your web site. 

I appreciate all your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: IL

Complaint narrative:
In XXXX XXXX I mailed in a dispute letter for XXXX XXXX # XXXX ( partial number listed on report ). TransUnion mailed me the results and the account was removed XXXX/XXXX/XXXX. Now, in XXXX the same creditor and same account is appearing on my credit report. TransUnion investigated and deleted so why did it reappear? And, with no 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 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2017 I was in Bank of America in XXXX XXXX, VA around XXXX XXXX. Their ATM machine took my ATM card for the third time as I was told that it has been happening to many customers. I was first in line and two ladies were behind me. one was a XXXX XXXX mid age American and the other was a very pretty well dressed young woman. This bank 's employee of course a man, who is in charge of customer service also giving new ATM cards, called the XXXX  lady first and took care of her then he called the young lady behind me and I had to speak up to remind him that I was here first. He told me to go and and wait in the last office and he will be there. He came after several minutes because he took care of the pretty lady and without saying hi or bye, he gave me an ATM card with a angry attitude.. I was not dressed up well and my appearance was simple. That bank employee treated me really bad and was very rude ... I was mistreated badly before by this bank because of my appearance. I know for sure that I got discriminated against badly by people of this bank.

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 2017-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
IN XXXX 2017 MY AUTO LEASE PAYMENT WAS DEDUCTED FROM MY BANK ACCOUNT. IN THE NEXT MONTH 'S STATEMENT I BECAME AWARE THAT THE PAYMENT DID NOT POST TO MY LEASE. I CONTACTED MY BANK AND THEY CONFIRMED THAT THE PAYMENT WAS NOT PROPERLY CREDITED TO THE LEASE DUE TO THEIR ERROR. THE COMPANY THEY USE TO PROCESS PAYMENTS SENT A LETTER TO THE LEASE COMPANY ( ALLY FINANCIAL ) EXPLAINING THAT THE LATE PAYMENT WAS DUE TO THEIR ERROR. ALLY CHARGED ME A LATE FEE AND CONTINUES TO REPORT THE PAYMENT AS LATE WITH ALL 3 CREDIT BUREAUS. I REPORTED THIS PROBLEM TO ALLY AND ALL 3 CREDIT BUREAUS. THE CREDIT BUREAUS DID NOTHING AND ALLY DID NOT RESPOND IN ANY FASHION. WHEN I CALL ALLY THEY KEEP TELLING ME IT 'S BEING LOOKED INTO BUT THEY WILL OPEN ANOTHER INQUIRY YET NOTHING HAPPENS. IT APPEARS THAT ALLY DOES NOT HAVE USA BASED CSR SO COMMUNICATION AND UNDERSTANDING IS NEXT TO IMPOSSIBLE.

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 2017-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Auto Pro Title Pawn, Inc.
State: GA

Complaint narrative:
I went to A1 Action Cash to get a loan on my car in XXXX XXXX and I paid on time. In XX/XX/XXXX the car stopped running but I continued to make payments on it. In XX/XX/XXXX I took the car to the dealership to attempt to get it fixed. I paid {$500.00} in attempt to fix what the dealership said was wrong with it. I told the office manager that I could no longer pay off the loan because of financial issues but she refused to go get the car because it was inoperable, although I told her where the car was located. She filed criminal charges against me with malicious intent to have me put in jail even though a crime has not been committed. When we showed up in court, she committed acts of perjury stating that she called the dealership and an employee told her that there was a storage fee of {$500.00} which was not true because I paid my service repair fee in full on XX/XX/XXXX. I also went to the dealership and spoke to the service supervisor to ask if I owed anything that I was not aware of and he told me that I paid what was owed which was only {$500.00} for the service that was done on the car. I did not owe any storage fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have multiple hard inquiries on my credit reports from Synchrony Bank for different retail store credit cards. So far there are two inquiries for an XXXX XXXX card and one inquiry for a XXXX card. I called and disputed the XXXX card months ago and the inquiry is still showing on my credit report. I called about the XXXX XXXX inquiry today ( XXXX ) and now there is another inquiry for XXXX XXXX dated today!! I have not applied for any credit cards. I am in the process of having a house built and need my credit to good in order to qualify for a mortgage loan. I can not do that with all of these fraudulent inquiries from Synchrony Bank. I want them removed immediately and I want some kind of freeze or alert that does not allow any inquiries or applications under Synchrony Bank. My social security is being used and my maiden name of XXXX is being used. Random addresses are also being used to submit the applications. I was told a fraud alert would be placed on my information after the first inquiry in XXXX for XXXX but the XXXX XXXX inquiries were still able to go through. This is unacceptable and this is harming my credit and my opportunity to buy a house.

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 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, XXXX we took out a loan in the amount of XXXX and signed a promissory note promising to repay the loan. Also, on XXXX XXXX, XXXX we signed a Deed of Trust that was to secure the lenders interest in the property, however, the notary did not notarize the deed of trust effective XXXX XXXX, XXXX and instead the document purports to be notarized on XXXX XXXX, XXXX which invalidates the deed of trust. Bank of America filed a foreclosure action based on the invalid deed of trust and a recent sale was held on XXXX XXXX, XXXX. Bank of America did not have a secured interest in the property due to the invalid deed of trust which was improperly notarized. Bank of America and any other party claiming to be the holder of a secured interest in the property should look in the see the attached deed of trust. I tried attaching a complete copy of the deed of trust to this complaint, but the file is too large. I have place a copy of the first XXXX pages of the deed of trust and a copy of the last page of the deed of trust which is the acknowledgement page which shows the inconsistent dates.

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 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XXXX called my cell first words were this is recorded then asked for XXXX and i know this is improper no person other than myself on my phone and i own nothing gotten theses calls before called number back owned by CBE GROUP at cbegroup.com and looks like credit collector on fishing call they need to be put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
For the past few months, XX/XX/XXXX to be exact I have not been able to pull my XXXX Credit Report from Equifax which I am entitled to through the XXXX XXXX XXXX XXXX I subscribe to. In addition this issue, I am now not able to lock/unlock my Equifax Credit Report which is another benefit that is included in the product I subscribe to. This has caused me a great deal of grief which has escalated because every time I have called I have been asked to give them another 24 to 72 hours to resolve which in itself would is not that bad ; however, we are 4 months into this and not once has anyone from Equifax called me to say that we are still working on the issue ; called at least ten times with the first call being made on XX/XX/XXXX and the most recent calls where on XX/XX/XXXX, XX/XX/XXXX and again this morning. On yesterday I just asked that they unlike my file so that I could submit and application and was assured that it was unlocked but of course that was not the case. I would just like to get this problem resolved, considering I have been paying monthly for a service that I not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: AES/PHEAA
State: NC

Complaint narrative:
I have my loans with XXXX. There have been multiple times that my payment has been removed from my account but not showing as paid on my account for a few days. Other times I have had direct deposit turned on and the payment never went through, pushing my payment info being overdue and one time even applying for forbearance for me ( I had the money in my account and direct deposit turned on ). The times the payment never went through, they show an overdue warning and suggest direct deposit. I have reached out to them by email and have not received any responses. 

Their site is confusing and payments never seem to go through on time. I have very little confidence that my loans are being handled properly. I feel trapped and worry that my account will become delinquent without my knowledge, even though I am able to make my payments and have direct deposit turned on.

Company response to consumer: Closed with explanation