vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been on the Public Service Loan Forgiveness ( PSLF ) plan for over 3 years now and recently enrolled in school. Due to my enrollment automatically triggering deferment status, I called in to request a deferment waiver so that I can continue to make qualifying PSLF payments since I do not intend to defer my payments. I have requested this waiver FOUR times and have three employee ID numbers of customer service agents to whom I have spoken. On my fourth call, I was told I should make a payment anyway, and then I would need to re-certify my PSLF even though I did that inXX/XX/XXXX ( it is now XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Bank of America 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 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Business checking account. 
They have placed limits on my online transfers ( transfer out to external accounts ) ... which is greatly impacting my business. 
I have been trying hard to convince them to increase my limit but getting the usual excuse making response from Wells regarding this. 

My money is stuck with Wells Fargo business checking account.

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 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi there - I am trying to resolve an issue with TransUnion. Back in XX/XX/XXXX they had a comment of " 39-serious delinquency '' in summary of my account. However, I have zero late payments - ever. and my detail on account by account basis shows that. I recently received a new copy of my report and the same factor appears as adverse impact on my account. However again, no late payments ever on all history. 
I just called TransUnion on XX/XX/XXXX and they deny that they are reporting that. I have a hard copy in front of me from XXXX and it is clear they are in fact saying that. 

I need help. 8 years of trying to rectify this to no avail. I have no debt and perfect payment record. This is absurd. I keep getting their XXXX call center, and no one is interested in making sure they are accurate. They just want to say they are right.

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 2018-04-16 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
AMX improperly applied the payments I made over the minimum due to lower interest rate balances rather than highest interest rate balances. From my calculations, I paid approximately XXXX over the minimum payments due over the past several years. However, the balance on my highest interest rate balance has continually gone up instead of down. The highest interest rate is a cash advance rate of 22.49, purchases are at 11.49. Big difference. Not only has my high interest rate balance not been reduced by my XXXX over the minimum payments, the balance has actually increased from XXXX in XX/XX/XXXX to XXXX on my current statement dated XX/XX/XXXX. Since I have not taken a cash advance in the past 7 years, I believe that my purchases are inappropriately being applied to the cash advance balance in error. When I noticed all this was happening, I contacted American Express. I have made several calls trying to resolve this and get some help. The representative told me it would take 4-6 to resolve and that I would hear from the company in writing. That was on XX/XX/XXXX. As of today, I have yet to hear anything from AMX. After contacting AMX, my XX/XX/XXXX statement was adjusted giving a credit to my account for the Cash Advance interest fees for one month of {$290.00} and my minimum payment was reduced to {$170.00}. Also, my cash advance balance was reduced to {$1500.00}. I know this is a complex case and this error has occurred over several years so I was happy to see that it appeared that AMX was trying to rectify the situation. To my complete dismay, my XX/XX/XXXX statement has the cash advance balance at {$14000.00}. I do not know what has happened to my account, perhaps a terrible computer glitch, but it is not right or lawful. I have been charged all of this extra interest on incorrect balances all of these years. My purchases should be charged a rate of 11.74 % NOT 22.74 %. Also, my payments have been increasing over the years, from approximately {$300.00} a month to my current payment due of {$450.00} due to the interest being calculated on cash advance rates instead of purchase rates. Also, my credit has been severely affected because of my credit utilization percentage being so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, They were some unauthorized transactions on my account which I called to inform Chase, some of these transactions where still pending when I called XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$650.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XX/XX/XXXX - {$20.00} XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$30.00} XXXXXX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX Chase told me they were going to investigate the case and refunded this transactions and not the remaining transactions. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX I was told the reason that they werent refunding the other transactions was that the fraudster/scammer used my chip and got my pin correctly while I still had my card when I discovered the transactions. I asked the claims department to reopen my case as the investigation conclusion was incorrect but they refused which I asked them to connect me with the Executive Office so the case can be reopened as they didnt want to provide my funds. I spoke a lady from the executive office named XXXX and she guaranteed the case would be reopened and would try to make sure I get my funds back into my account ASAP while stating she would provide regular update as she get more information from their investigation. Ive gotten two updates but just stating the same reason the claim department said and still said the case is being investigated. 
All of the sudden, the reversal for one of the unauthorized transaction was being reversed leaving my account in the negative/overdrawn. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX I was also told the same reason as the first claim specialist about my chip been used and the scammer/fraudsters using my pin correctly which seems odd to me because thats not what XXXX told me and also because some of the transactions are been refunded and seems like mostly the USPS transaction doesnt want to be refunded. They are also transactions from XXXX, XXXX, XXXX & XXXX XXXX that needs to be refunded or handed correctly. I deserve an explanation to know how Chase could let this happen, and deserve some compensation for Chase letting my account to be overdrawn and not letting me access my funds when I needed it. Also if I keep banking with Chase, how am I sure this situation would not happen again, as they need to put a procedure in place to help prevent future situations like this and better protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I paid off my mortgage early on XX/XX/XXXX. I was enrolled in the Equity Accelerator program XXXX XXXX has set up with XXXX XXXX  XXXX XXXX. XXXX XXXX stated in correspondence dated XX/XX/XXXX that I would receive a refund for a mortgage payment XXXX had already collected on my behalf and not yet submitted to XXXX XXXX, within 10 business days. I did not receive the refund promised and have been told on repeated inquiries that they are experiencing system problems and that I would receive payment in 2 days. Today they promised my refund by XX/XX/XXXX to be refunded electronically to my bank account. Quite frankly I don't belief this magic 2 day promise will result in the refund they owe me ( {$1300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This was removed from my credit profile because account was paid by XXXX XXXX the proof was sent twice to the supervisor of the collection agency and also to the client for which his collection agency is collecting for. Even though agency when I called they advised me if was removed again from my credit file it has not request this collection agency be fined for improper collections acts. This agency just reported to collection agency without sending a letter or calling prior to placing in my credit profile. Something should be done to prevent from happening

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 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
All my accounts with Chase Card Services got shut down without prior notice. I attempted to use one of my cards with a credit line of about {$500.00} and the charge was declined. So I logged onto my account and discovered that all my accounts had been shut down. My credit score is excellent, I have credit history for over 30 years and my payment history is at 100 % positive. I find it hard to believe that I am a " credit risk '' that all my cards get shut down like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX  to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXX and have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX  XXXX  detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXXwhen I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have tried several times to get my title lien cleared so I can get a new title from Virginia DMV. 
I called Ditect Financial Customer Service Dept.XX/XX/XXXX to request the title be released from Greentree, which was the finance company that financed my motor cycle. Greentree merged with Ditect Financial. I was told a ticket was opened and they would get back to me on or before XX/XX/XXXX. No one ever got back to me.

I called again on XX/XX/XXXX and requested to talk to a manager. I was told that was not possible. I hung up and On XX/XX/XXXX sent a email to they complaint department. Received an email back stating that someone would get back to me in 3 to 5 days. No one has got back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I purchased 2 CDs in my minor children 's names from XXXX XXXX onXX/XX/XXXX. I divorced and moved later that year and forgot about the CDs until I was cleaning out my file cabinet inXX/XX/XXXX. When I researched where XXXX XXXX was located, found that it was no longer in existence, had changed names twice and was now PNC Bank. I went to my local PNC branch to see how to handle getting the money from the 21 year old CDs. PNC says they have no record of these CDs, no record of my account information, but also has no proof that they have remitted the monies to me. They say that I must have cashed but since they were hidden in my files, there is no way I've cashed as I still have them in my possession. These CDs are auto-renew and fixed, continuous interest method. I was told to contact Channel Services with PNC to which I sent copies of the CDs along with a letter explaining the situation. I received notification that PNC has no record of the documents/account and can't give me any further guidance. I'm told that PNC only has 7 years of records and a transaction this old would not be in their files but the funds have never been remitted to the State of Ohio or to me. The bank has kept my money and not followed the correct process to remit money to the state unclaimed funds or sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I attempted to make a cash deposit at a Bank of America ATM on XX/XX/XXXX of {$980.00}. The machine spit out {$60.00} of my deposit and ended the transaction. I checked my balance and it did not reflect the new transaction. I contacted the automated teller assist and they printed a receipt for me to call to file a complaint. 

I filed the complaint and they gave me a temporary credit. Now, they are saying they can not find the deposit and the video shows that all of my money came back out. This is simply not true! They will reverse the credit on XX/XX/XXXX. 

They also told me to contact the police department to get a subpoena so I can review the video. The police department says they dont do that. 

Im at a loss as to what I can do. I have spoken to 8 bank representatives about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: FL

Complaint narrative:
I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus

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 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Professional Recovery Management
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX requesting that they validate, not verify, a debt that they are attempting to collect from me. I asked for s signed agreement/contract and other supporting documentation. They only provided me with a statement of billing, which does not prove that I am obligated to pay them. They have reported delinquent/negative information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Despite multiple requests, the unverified item with Nationstar, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted Nationstar via mail and have returned undelivered mail with inaccurate address on file, and via phone Nationstar has told me I never had account with them. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX is also reporting incorrect contact information, and payment status on report for the Nationstar creditor.

Company response to consumer: Closed with explanation