vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l.
State: VA

Complaint narrative:
I'm getting debt collectors calling almost every day asking to collect on a card that doesn't belong to me and isn't under my name. Sometimes they ask for a different person 's name, sometimes they don't say anything and just hang up. This started happening right after I got a car loan. These are the dates, times, and phone numbers ( different numbers, I'm assuming it's the same company ) : -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX   ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX  : ( 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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX FL campus in XX/XX/2007 and got a loan from Sallie Mae  for approximately {$7000.00} later I graduated from the school and the school declared bankruptcy and didnt do any of the job placement help and everything else they offered when signed up. To make matters worse I have been paying on a bloody subprime loan over 13 % interest rate for over a decade and owe more than I did when I first went to school at this rate I feel my mortgage will be paid off before this loan they put most of the funds to interest and my payment is XXXX a month to make it all worse I called for a settlement and they suggested I have to be delinquent before I can negotiate my debt. Horrible company ripped me off. Sallie Mae now Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an issue with my mortgage. I was unemployed from XX/XX/XXXX through XX/XX/XXXX. In late XX/XX/XXXX, I approached Well Fargo to request a re-fi to enable me to reduce my burden given my employment situation. They agreed and asked us to pay a small amount monthly, which we paid on time every month, and they eventually came up with a 40 year plan with a higher interest rate in XX/XX/XXXX ( predatory? ). We agreed to the terms and began to make payments on this new loan. We didn't have much choice as I had not yet landed a job. All of our payments have been as per commitment and on time for this new loan starting in XX/XX/XXXX. Well Fargo then reported us late to the credit agencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX,  without notifying us. We were applying for a loan and were denied due to poor credit from late mortgage payments. We disputed this and it was rejected even though they sent a letter saying that they will not report us late to agencies as long as we were on time. The letter actually contradicted itself! In speaking with their loan consultant during that time period, I made it crystal clear that we did not want this to impact our credit, and that we would draw the money from other places to make payments to avoid credit impact for this secured loan, and she said it would not affect credit as long as we complied with new payments as requested. We did comply. When we complained about this, we were given a case manager to specifically work on our case and were told to call her for assistance while this was being worked. I called the Case Manager about 5 times and she never returned my call. She chose to deal with us via postal mail, not even email, with contradictory messages! Ironically, all the reduced payments did was add the interest to the end of our loan and increase the loan amount! I'm now gainfully employed and have been since XX/XX/XXXX but we're not able to qualify for a loan for our XXXX going to college and relocating there in support of them. What can we do to get our credit repaired quickly, given that Well Fargo still claims that their process was followed correctly? How can we be reported as late those months when we were making payments on time? Thanks in advance for the help and advice.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
1. The forced answers to the questions on the form did not cover my problem, so I had to answer incorrectly. 

2. The problem is with the Annual Free Credit Report, from Experian. 

I just ( XX/XX/2018 ) got my Annual Report from Experian. 

A. The report on the screen was very dim, and very difficult to read for an old person like me. In other words, it did not conform to the contrast requirements of the W3C Web Content Accessibility Guidelines. 

B. I tried to print the report. In addition to a very large number of pages, the printing was also very dim and hard to read. 

C. Even when I printed it in Landscape format, some of the information on the right side of the page was cut off. That is, I could not get a printed copy of ALL of the information on my report. 

D. The large amount of unnecessary whitespace on the report seems to be deliberately designed to discourage printing. 

Also, in the Experian " validation '' process, there is a requirement to answer questions in a VERY short period of time. Three questions in one minute. One was about the first 4 characters of my drivers license number, and my billfold with my license was in another room, taking quite some time to get. Another question was my mortgage payment amount - and most people do not have that exactly memorized, so have to go look it up. I believe this short time limit is designed to discourage people.

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 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I made an online purchase from XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX immediately on XX/XX/XXXX. 

I cancelled the order a few minutes after placing the order ( also on XX/XX/XXXX ). WXXXX did not ship the order. 

I placed a second order from XXXX, also on XX/XX/XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX account immediately on XX/XX/XXXX. I cancelled the second order on XX/XX/XXXX. XXXX did not ship the order. 

XXXX refunded the full amount of both orders on XX/XX/XXXX, totaling {$4500.00} ( {$2200.00} x 2 ). 

A week later, on XX/XX/XXXX, PayPal illegally transferred {$4500.00} from my XXXX XXXX XXXX checking account without my knowledge or consent. I have emailed and called PayPal to resolve this issue to no avail. The PayPal representative said the funds will be put in my PayPal account but that has not occurred, nor can they tell me why the money was taken from my account. The rep also could not explain why the XXXX refunds still show as Pending on their website since XX/XX/XXXX. Any refund should have posted in over a week 's time. I do not nor have I ever kept money in a PayPal account. I have always used PayPal as an intermediary and payments are taken directly from my XXXX  XXXX XXXX account or other stored method of payment. 

I requested to speak with a manager on three separate occasions and was placed on hold for over an hour before giving up and disconnecting the call. I have only received auto responses to the emails I have sent to Customer Service through the PayPal website. I do not believe they intend to return my money. 

I went to XXXX XXXX XXXX and filed a fraud report and they are investigating the issue, but that can take up to 90 days. I also contacted XXXX requesting whatever assistance they may be able to provide in resolving this issue but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: ACCESS GROUP INC.
State: AZ

Complaint narrative:
Two Issues : ( 1 ) InXX/XX/XXXXI had to take out a private loan from Access Group for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not Access Group. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that Access Group is reporting on XXXX XXXX  several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that Access Group is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with Access Group. They are also paid with a XXXX   balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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:
MY EXPERIAN CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE XXXX  XXXX ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND EXPERIAN AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY

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 2018-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
MY XXXX  CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE CAPITAL ONE ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND XXXX AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Hi, I purchased a newly built single family house on XXXX XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 % and took a loan of {$240000.00} from BMO Harris Bank, in a 5 year ARM at 2.75 % interest. 

That loan came with a monthly PMI of {$78.00}, which I am paying with my mortgage without any fail. Initially I was told that my PMI will be cancelled when my LTV reached 80 %. But I noticed that BMO Harris is still charging PMI even after my LTV crossed 80 %. I asked BMO Harris Bank local branch and they told me that the PMI would not be charged once my LTV reach 78 %, which would be after XX/XX/XXXX. As per the suggestion of the BMO employee, I sent a written request towards that goal. I never received any written acknowledgement for that letter confirming BMO Harris received my letter asking to cancel PMI. 

BMO Harris also told me that any extra payment to reduce principle would not be considered for PMI cancellation. We paid {$200.00} extra every month towards the principle. I think what BMO Harris is saying is against law, as I checked from this website, which says, You can ask to cancel PMI earlier if you have made additional payments that reduce the principal balance of your mortgage to 80 percent of the original value of your home '' - https : //www.consumerfinance.govXXXX On top of that, BMO Harris want me to pay {$500.00} for an appraisal of my property to cancel PMI in future. I refused that considering the same website that indicates such property appraisal is needed to refinance loans and not for fresh or new loan. Moreover, BMO Harris itself have all the documents to show that the value of my single family home has increased to {$350000.00} ( as against {$260000.00} purchase price ) as per the city and for which I am paying higher taxes too, which BMO has an escrow account as well. 

I checked all the documents that the Bank gave us during our signing of the loan and it says nothing about PMI cancellation or how would it work. 

Im getting more frustrated with this bank and tend to think that Im being cheated by them. They messed up last year tax calculation and for which I had to pay an about extra {$900.00} for many months. That was not easy. 

I like my PMI payment be cancelled immediately. 

I also have the following questions : 1 ) How and when can I cancel my PMI payment? 
2 ) When will that PMI be cancelled automatically ( without any action from my side ) if I keep on paying my monthly mortgage, as I'm doing now? Or will that PMI be charged for till the end of my 5 year ARM period ( XX/XX/XXXX )? 
3 ) I also like to know what will be my loan amount that we need to pay BMO Harris after 5 year ARM period is over ( XX/XX/XXXX ). 

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I MADE NUMEROUS RETURNS TO KOHLS VIA MAIL PER THEIR INSTRUCTIONS AND PAID POSTAGE AND PURCHASED TRACKING AND CONFIRMED THEY RECEIVED THEM ALL. THEY RECEIVED MY RETURNS AND DID NOT ISSUE PROPER CREDIT OR REFUNDS AND WHEN I CONTACT THEM ABOUT IT THEY ADVISE THEY CAN NOT LOCATE MY RETURNS EVEN WITH THE TRACKING AND DETAILS AI PROVIDE AND SAID THER IS NOTHING THEY CAN DO TO HELP ME THEY HAVE HUNDREDS OF DOLLARS OF ITEMS I RETURNED TO THEM AND NEVER ISSUED CREDIT THIS IS VERY WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: PA

Complaint narrative:
I signed up for a checking account with Key Bank in XX/XX/XXXXof 2017 with an opening bonus of {$300.00} based on meeting certain criteria. The first issue arose from the bank associate upon opening my account stating that I needed to make {$1000.00} direct deposit dollars in a month. I set up my account to have 2, {$500.00} deposits each month, which met the total of {$1000.00}. A few weeks before the deadline to complete all my requirements I called Key Bank 's XXXX customer support number to check in and to see when I could expect my money. Only then was I informed that I needed at least one direct deposit totaling {$1000.00} to meet the criteria, and not total combined dollar amount. They mentioned this was the only thing left to complete and once finished I would have my cash in a few short months. This was the first account of me being mislead. I changed my direct deposit amount to comply with the requirements and a month later called back checking in. I was told that I met all requirements and should be expecting my money shortly. I went into the downtown XXXX branch and asked for an update within my requirement window as well, but they directed me to their XXXX number for any questions on the reward. Three other times between XX/XX/XXXX and XX/XX/XXXXI called for an update on my money and everyone I spoke to from the XXXX number said I met the criteria and that I should just wait, that it takes up to 6 weeks to receive the money. After much frustration I called last week to see why I haven't received my money. Again a representative said I met all criteria and couldn't understand why it was taking so long. Later she called me back stating that although I had automatic withdraws set up to pay bills, under the criteria they needed to be set up and paid through Key Bank 's website, which they were not. I argued with the representative over the phone because this was never relayed to me up until this point, and that I missed this promotion because of the misinformation from Key Bank. She said she would call me back with an update. Now this is over a week later and I called Key Bank again today to ask for an update and to escalate this to a manager. The manger told me there's nothing he could do because I did not meet the requirements and their phone logs only go back 3 months so they don't have proof of all the calls I made. I did not meet these requirements because of multiple reports from Key Bank misleading me into believing I had done everything I needed to do. I even checked in within my designated time to complete the requirements to make sure and even then they told me incorrect information. They mislead me and wrongly kept information from me so that I would not receive my cash reward. This was the worst customer experience I've ever been apart of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I was contacted by NES and told I owe {$120000.00}. I agreed to settle the debt for {$22000.00}. This means they are forgiving {$120000.00}. I paid the agreed upon settlement. However, NES will not confirm my payment and that the debt is now settled. Nor will they send me a copy, as requested of my original promissory notes so that I can verify this debt.

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 2018-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sumitted a error on my report to experian telling them I never received my credit cards in my XXXX XXXX where they said they had sent them. XXXX XXXX of Delaware agreed to Delete XXXX XXXX of Delaware from my credit reports the only credit Bureau to delete so far is  XXXX, need this deleted from experian today

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 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE COLLECTION ACCOUNT FROM XXXX XXXX XXXX/ XXXX  XXXX XXXX AMOUNT FOR {$700.00} APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation