vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 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: WA

Complaint narrative:
My husband transferred from XXXX XXXX XXXX XXXX to XXXX XXXX  to enable us to pursue degrees at the University of XXXX. After we completed our XXXX degrees I got a XXXX  XXXX   XXXX XXXX XXXX XXXX in XX/XX/XXXX, and my husband got his XXXX XXXX XXXX in XXXX  in XX/XX/XXXX. 

In XX/XX/XXXX, to simplify our bills, we consolidated our student debt into a FFEL loan. The loan was in both of our names, which at that time was allowed. 

When the Public Service Loan Forgiveness Program was announced we contacted our servicer and were told we had everything in order to have the debt forgiven. Every so often we called, and each time were told we were on track to have debt forgiven. 

Fast forward a few years. Our children attended college, and again we had multiple places where we needed to pay for student loans. We decided to consolidate our debt. We filled out the paperwork, but were told if we consolidated we would lose the ability to have any of our debt forgiven. We cancelled the consolidation.

Recently we realized we had made the required 120 payments and filled out the paperwork to have the debt forgiven. We received a response that no debt could be forgiven because we had the wrong type of loan. 

Disgusted, we decided to consolidate into a Direct Loan and try again. That was when we were told that it wouldnt work because my husband was not listed as the holder of the loan. All our student loan debt had been shifted to me, and I dont qualify for the Public Service Loan Forgiveness Program.

To be clear, my husband XXXX  from the military with 20 years of service, which included quite a bit of time in XXXX XXXX. In addition, he has 17 years of XXXX, most of that at a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this account has been switched, it is still showing on my credit report.

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 2018-08-16 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: FL

Complaint narrative:
I payed XXXX  $ to a capital one credit card accidentally from my XXXX XXXX XXXX bill pay. It was a card that is paid in full and no longer active. I never deleated it and clicked it accidentally. I have records from my XXXX XXXX XXXX  showing the transfer of funds.

I have been calling Capital One for 1 month now They refuse to return funds.

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16 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: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX  who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by net credit i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was scammed by XXXX when I ordered a sample of their product ; instead they charged my account {$87.00}. I called Chase right away and told them it was fraud, explained I ordered a sample and was only to be charged a small mailing fee. They canceled my card and sent me a new one ; however, they re-charged my account {$87.00}. When I called them again to explain this is fraud as I didn't order anything except a sample and shouldn't be charged, they would not assist me. They will not reverse this charge. When I called Chase I also called XXXX  and canceled any account they say I might have ; when I called them today, they said " you lost, good luck '' I feel scammed twice over ; once by XXXX and then by Chase. I do have a letter from Chase dated XX/XX/18 charging me again for the {$87.00}. I also still have the box the XXXX came in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been reporting on my credit reports for several months. I have tried to dispute matter with them several times and have not had any luck. Not only is this company NOT LICENSED in the state of Michigan ( see attached ) but at the time they say the debt occurred I was a minor. They have been illegally reporting delinquent information to the credit bureaus, I am asking for all info to be deleted. i do not have a signed contract nor any contract with Portfolio Recovery A. I have never done business with this company and no validation has been received by the credit bureaus as proof of this.Again this company is not licensed to collect in the state of Michigan. I have researched this and provided proof to them as well as attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Was charged a late fee on credit bill with due date XX/XX/XXXX, paid on XX/XX/XXXX. According to Credit Card Act if due dates falls on holiday payment maybe made without penalties if received by next business day by XXXX. I have now been assessed late fees and penalties because of this payment, and owe {$67.00}. I believe these fees and penalties are illegal and I don't owe them.

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 monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2018 I submitted a letter to Experian which was to follow up on a letter submitted XX/XX/2018. I was told that the courts verified the public record then I stated the US courts doesn't report Public record. then they stated it came from XXXX. I contacted XXXX  they stated that they have not verified any items to Experian.

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 2018-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
The evening of XX/XX/XXXX I learned that I was a victim of an email scam and wire transfer fraud resulting in a loss of {$54000.00}. 
We sold our home in XXXX, CO. We closed on the sale XX/XX/2018. 
We were in the process of buying a home in XXXX, NM. We were closing on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NM XXXX. 
XXXX XXXXEscrow Officer XXXX XXXXEscrow Officer XXXX XXXX It was revealed at this time that a company who claimed to be the closing partner of Old XXXX XXXX XXXX had requested a wire transfer from us for {$54000.00} on XX/XX/2018. We wired the money to the partner. Buyer, XXXX XXXX XXXX sent an email to XXXX XXXX, the Mortgage Consultant asking if this was a legitimate request. He [ bogus reply ] responded, I advise for you guys to wire {$54000.00} ( Cash to Close ) today to the wiring instructions sent by XXXX this morning. I wired the money as per the Wire Instructions. 

The parties involved were : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX-Escrow Officers XXXX XXXX American Financing, XXXX XXXX-Mortgage Consultant XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX , CO XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX-Agent XXXX XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX, NM XXXX My desired resolution is to get my money, {$54000.00}, back. 


Wire Transfer date : XX/XX/2018 Sent from : XXXX XXXX XXXX Wire transfer amount : {$54000.00} Reported fraud on XXXX XXXX XXXX Checking account frozen per advice from XXXX XXXX recommended that I file a police report Action taken by XXXX : Recall As of my inquiry on XX/XX/XXXX to XXXX, the investigation is closed. The receiving bank, J.P. Morgan Chase declined the recall. According to information given to me by XXXX, the bank that received the wire transfer had its routing # and account # at XXXX XXXX XXXX XXXX, XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To whom it may concern, I notified my banking institution ( Bank of America ) on XX/XX/XXXX of fraudulent activity on my personal checking account that occurred between XX/XX/XXXX and XX/XX/XXXX. Someone was making XXXX Transfers out of my account without my authorization. I placed a freeze on my account and opened a new account with bank of America. One week later, I found the same charges happening and placed another freeze on my account. A claim for both fraudulent charges was made on XX/XX/2018 and XX/XX/2018. It wasn't until XX/XX/2018 that Bank XXXX XXXX notified me that they were denying my claim and has yet to notify me in writing that this happened. It was only because I went to my local branch to inquire that I found out this information. The claim was denied on the basis that the money was wired from my account using an IP address and email that was consistent with previous transactions. 

Later that day, I sent proof to the claims department that my computer was hacked and someone illegally took money ( {$20000.00} ) from my account. It wasn't until XX/XX/2018 that the bank confirmed that they received the documents I send on XX/XX/XXXX. I am now being told that they have until a date range of XX/XX/XXXX through XX/XX/XXXX to make a further decision on my fraudulent charge. In the interim, I have bills to pay including my mortgages of which that {$20000.00} was to pay. 

I am unable to speak to anyone at the bank that has any real knowledge of what is going on and I am not even certain that I have provided enough information to prove that I was hacked. I am not an IT manager so I really do not know if what I gave them is suffice. 

Every time I call them, I get the same answer that they are working on it and they will not provide me with the required credit after 10 business days as outlined in their own procedures because they are claiming that the claim was closed by being denied and their clock starts over. 

I have provided everything that I think I need to prove my case and every day that goes by is another day that data gets lost within my system. Not only was my identity stolen, my computer system hacked and my personal property taken from me and my family but now I get to wait 30-45 days to see if Bank of America has enough information to even get to the next step.

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 monetary relief
Consumer complaint received 2018-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a Bank of America credit card and I had a balance of {$16000.00}. I did some refinancing and in XX/XX/2018 I paid off the {$16000.00}. Then in the next month 's statement BofA charged me {$150.00} interest. I wrote to BofA disputing that I owe them anything since I paid off the balance that was on my statement. I received a short memo dated XX/XX/2018 stating " We've received your recent inquiry regarding the account listed above and we're researching your dispute ( s ) and will respond to you within 30 calendar days. '' As of XX/XX/2018 I have not heard from BofA.

But that is besides the point. When I pay off a balance I expect that to be the end of the matter and I do not expect to be charged interest on something I've paid off!

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: KS

Complaint narrative:
keeps calling when dept is already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We are having a huge credit score problem.

Two months ago, I hired a new nanny for my children. We added a credit card for her under our American Express account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by American Express.

Two months later, my nanny 's credit score was completely ruined : It went from XXXX  to XXXX  in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name.

I called American Express to explain the issue. She is an extremely responsible person who had a XXXX  credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )?

American Express again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report.

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do.

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time.

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Re : XXXX XXXX  account # XXXX, XXXX To whom it may concern : Please consider this letter as my formal complaint against XXXX XXXX ( Army Air force exchange ) AAFES. 

I have sent certified/return receipt dispute letters to XXXX XXXX requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was unable to verify/validate this account in accordance with FCRA. 

After challenging this account with the credit bureaus directly, This account was removed. XXXX   XXXX then reinserted this account under a different account number ( XXXX ) without the 5 day reinsertion notice required by FCRA. 

As this account was hindering my credit worthiness, and with XXXX XXXX unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment as reported to the credit bureaus, in the amount of {$8900.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently XXXX XXXX has yet to correct their reporting according to the contract. They are still reporting a negative collection account to the credit bureaus in the following amounts : XXXX  : {$1400.00} XXXX : {$8900.00} XXXX : {$1400.00} I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. XXXX XXXX practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, letters sent, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida The XXXX XXXX XXXX, FL 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 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have 4 private loans with Navient. I have asked for evidence that I requested and signed for the loans. I also requested a full investigation with Navient because I believe the school I was attending, XXXX XXXX University, may have fraudulently requested these loans. However, in order to do an investigation, Navient is requesting an identity theft report to be filed with a policy agency. The problem is I am unable to get the XXXX, CA sheriff 's department, where I resided when the loans were executed, to issue a report. The Sheriff 's department needs evidence that the loans may have been requested fraudulently. Which is exactly what I am asking Navient to investigate. This has become a circular cycle. I really need help clarifying the validity of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Due to some uncontrollable circumstances, I had some late payments with a company that is company represents. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for XXXX XXXX to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XXXX XXXX, 2018, I did an online payment for my mortgage in the amount of {$840.00}. OnXX/XX/XXXX  Chase withdrew 2 payments of {$840.00}, which over drew my checking acct. As soon as I noticed ( XX/XX/XXXX ) I immediately called my bank and they told me that Chase submitted the payment twice. I then called Chase and they did show it paid 2X, but would have to further investigate to reverse the 2nd charge. She told me that my funds would be returned in 1-2 days, but to check my acct the next day ( XXXX XXXX ) and give them a call to see what was going on. Of course my acct was not credited on the XXXX. I called again and was referred to the " escalations dept '' and was then told that the girl submitted the paperwork regarding my second mtg, not the first. So they filed another claim regarding the 1st mtg this time. ( At this point I would like to mention that when speaking to any of these agents, I NEVER gave them my 2nd mortgage acct number to resolve this issue ) The guy said that part of the reason they couldn't take care of this any faster was because they just received a payoff check for the accts and that is what was causing the issues. ( I was in the middle of a refinance and they paid the accts in full. ) Again I was told it was going to take 1-2 business days for someone to get back to me. Remember, they over drew my acct and I had no $ while all this was going on. They told me on the XXXX that the 1st mtg was paid in full ( they actually received funds on the XXXX, but held onto the $ till the XXXX so they could earn more interest and charge me more interest ). Remember they told me on the XXXX they received payoff for the accts causing the trouble. After 8 days they " expedited '' my over payment and my escrow acct by check by XXXX XXXX. If the funds were received electronically, shouldn't they reverse them electronically? Well no, if you want to earn even more interest on the money they owe you while you wait for the check to be mailed to you, then wait for you to get home from work, then finally make it to the bank to deposit the funds. I definitely now know why they are called Chase, because when they STEAL your , you have to CHASE them down to get it back. Total XXXX!!!

Company response to consumer: Closed with explanation