vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I made a purchase throug h PayPal, fun ded by my  XXXX   XXXX  credit card, to an out-of state mercha nt ( 4-auto par ts.com ) on or around  XXXX / XXXX /  XXXX   in the amount of {$230.00}. Th e Merchant creat ed a fictitious  XXXX  shipping label and also signed for delivery to give impression that item had shipped and delivered. After no item or shipping confirmation appeared, I asked merchant about status. He was immediately abusive and evasive, so I started a dispute with PayPal. I did not feel the length of time allowed in their policy, for the seller to respond, was reasonable so I went to the funding source,  XXXX   XXXX  to dispute the transaction directly. They immediately issued a credit for the purchase amount, but rescinded it upon response from the seller and asked for more evidence in support of my argument. I provided this additional information, and on  XXXX  they reapplied the original credit back to my account.   Unfortunately, I received another letter from  XXXX   XXXX , dated  XXXX / XXXX /  XXXX  , stating that they were rescinding the credit again, because PayPal inferred refunds had already been issued for the transaction and they were under the impression I had been paid twice. PayPal failed to disclose, however, that these applied amounts were actually valid refund amounts ( {$130.00} from  XXXX , and {$32.00} from autopartswarehouse.com ) from  two other completely different transactions, and from two completely differe nt vendors, both from  one another, and the business named in the original dispute ( 4-Auto parts ).    It is now  XXXX , and I have yet to see a permanent credit in the amount of {$230.00} from either party, and both  XXXX   XXXX  and PayPal blame the other, but have still not issued the credit. I do n't know who is lying, but someone is, and I still do n't have my money back. Further, I have asked the Attorney General 's office in the state of the merchant to investigate them for mail fraud as I have evidence supporting his questionable practices as regular occurrence as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally financial loaned {$13000.00} in XXXX 2012 payments of {$240.00} so made already a little over {$16000.00} so far call for payoff today and claim I still owe {$5000.00} believe this is in correct and nobody speaks clear English there and struggling to get to bottom of this thanks for listening I really need help direct me to the right person or forward this email to others to see who it is I need to speak with my number is 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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have tried to fix my problems. I was under a high-interest rate that affected my ability to pay when I lost my job. I qualified for several loan modifications all denied because I did not make enough money to repay the loan modification and the repayment plan which was never accepted by the company. they made so hard to get the modification I eventually had to file for chapter  XXXX . I want the difference of interest rate repaid to me. and the outstanding amount that I became in the rears w ith of 35,000 while   waiting for help with my high-interest loan. the company messed up my credit and my financial situation in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Every month captial one keeps charging me  XXXX  late fee because my dates are not on time. My min. payment is  XXXX . I called and asked whats the problem I closed the account and told them I 'm tired of fees that are more than min. I pay any where form  XXXX  to  XXXX  payments month ranging from $  XXXX  {$20.00} week so I pay more than min every month so they say the problem is I 'm  XXXX  due because the late fees keep adding up they have charged me almost {$200.00} late fees and have n't used the card in last 2 months so my balance just keeps going up. So this is my thought your saying i could pay consistent every month but because I do n't pay on time this company can just keep charging. So I did math lets say I keep paying the same amount every month that means every year they add {$420.00} to my account and If I never use the card they can do this. This is not right this is n't justice this is n't looking out for customers, but they could continue to profit for the next 2 years if I'am going to let them. The system does n't work it set up for the rich to profit off the poor to keep people down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I got my loans thru  XXXX   XXXX  now  Navient.  I got  XXXX  loans total. But in  XXXX   XXXX ,   XXXX   it got to the point because of the interest and the payments that I had to consolidate  XXXX  of my loans. So i could afford the payments and get a lower interest rate. My interest was from  XXXX  to  XXXX . They were not willing to work with me and did n't care about my life situation. So i consolidated with  XXXX  which brought my interest down and my payments down and actually making a difference in my grand total. But I still have  XXXX  more loans with Navient and they are now at 10.5 % and they said they could only reduce my payment by {$30.00}. I 'm stuck in the payment cycle and not making any leeway. I have a full time job, i own my home, and have  XXXX  kids. I 'm trying to get out of debt and they are sucking me dry. Now i have to do a refinance and borrow against my house to pay my student loans off so i can make a difference in my financial situation. Please do n't let them do this to anyone else trying to get out of debt but stuck in the student loan repayment  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Call ed PNC office today regardin g an issue with them using my additional {$200.00} pmt for the principal and applying it to my automatic pmt of {$280.00}, resulting in an {$83.00} draft from my bank and no additional pmt on the principal. Found out that the last {$200.00} check that I sent for the  XXXX    XXXX   pmt did arrive at the right time, had the words " apply to principal '' on the check, but they decided to apply {$170.00} to the principal and {$23.00} to the interest for no apparent reason, totally disregarding my instructions. Was told that the checks are not processed by a person so that must mean a machine is determining to disregard the instructions and they are taking money that was designated for the principal and applying it for the interest, I assume, to accelerate their interest pmt and decrease my principal pmt. Had I not caught this, in 5 years, when the loan is due in full, I would have not owed the actual amount that I should have, had they applied the money correctly. I was then told to insure that they money is actually applied to the principal, that I have to go to a branch office and physically watch the loan office apply the amount correctly.   I can o nly imagine how many pe ople are being affected by this scam and have no idea that not all of their additional money is applied to the principal as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have repeatedly, going back to the begi nning of  XX/XX/XXXX  have as ked  ProCollect Inc. , out of  XXXX , TX to provide documentation validating the debt " they say '' I owe. I have had fraudulent activity happen in the past and that is my main concern here. I was called several time i n  XX/XX/XXXX , b y a  XXXX   XXXX  and once by a  XXXX   (  that I remember and HEARD correctly because they sound so unprofessional ). They demanded that I pay almost  $ 5K f or an apartment that was listed under my father 's ( now deceased  )  girlfriends name. I have been trying to take care of this debt for several years now. I have wrote several letters to the company and asked several times over the phone stating " please send all of the documents showing I owe this debt, including the lease copy and all other supporting documents. '' This debt is now approaching 7 years in 9 months and I am still dealing with the unprofessional, rude phone calls. When I called a few weeks ago and spoke to  XXXX   (  around   XX/XX/XXXX  a bout    XXXX   XXXX    CST ), she verified who I was and said " are you willing to making payment in full today? '' I said well " hold on, '' and went on to explain the story and tried to get the supporting documents.  XXXX  ended up hanging up on me twice, since I was n't making payment that day. She did n't say anything about sending me the supporting documents either. I am starting to get really frustrated with this company, their lack of professionalism, they 're always super rude, demand money and if you do n't have the money then they hang up on you. I have now sent an email to th e Sr. Account Executive ,  XXXX   XXXX  because I was n't allowed to have his direct line. I have tried to have  XXXX   XXXX  or  XXXX   XXXX  call me back also, I have heard NOTHING. I am getting ready to call  XXXX   XXXX  if I am unable to get the supporting documents showing that this debit is in fact mine. If my name was forged on any documents then I will have NO OTHER CHOICE but to take ALL parties to court and that 's a PROMISE. I have a twin brother and there 's been times when stuff gets filed under the wrong name or fraudulent activity happens due to our names being very similar. I have tried and tried to play nice but I am n ow filing complaints with everyone including the FTC, CFPB, AG, SOS , BBB, De  pt of Licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: West Bay Recovery, Inc.
State: RI

Complaint narrative:
West Bay Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX ( representing West Bay ) XX/XX/XXXX-XX/XX/XXXX Judgement XXXX Initially, I was not aware of any debt or what it was for. There were documents falsely served and signed by whom I do not know as I lived alone and worked past XXXX every night some time in XX/XX/XXXX. I do not have the exact date as the documents were never disclosed to me. I never saw anything or heard of this debt or company. I found out about this debt in the middle of my bankruptcy through mail from XXXX that my account was overdrawn. The account was my in fact my then 7yr old 's savings account that the law office went ahead and took the money out with the false documents. No one answered my calls or my letters sent on the matter. Not only did they receive money through what I can only imagine were forged documents that was my child 's but they also were included in my bankruptcy that was discharged in XX/XX/XXXX. Now, I am going through a refinance of my home ( XX/XX/XXXX ) that was purchased in XX/XX/XXXX and my loan officer is telling me West Bay is coming after me for {$490.00} that I supposedly owe from XX/XX/XXXX ... .mind you the law office went in and took it out of a 7yr old 's bank account. I am finding out there has been MANY complaints about West Bay creating false debt and coming after people years and years later for what I still do n't know as NO ONE HAS EVER RETURNED MY CALLS OR MAIL ON THIS SO CALLED DEBT. They were included in bankruptcy and the stole money from my child 's account which only included my name due to him being under age.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I have has several issues at  two  different locations, even with corporate. So the first location  XXXX  tried to add on several options to my loan without my permission, told me I had to borrow more than I asked for to get approved. I asked for  XXXX  they said I had to pay off all debt on credit report around {$10000.00}. So i asked for  XXXX  they said I had to borrow {$10000.00} to get approved. I said that is too much, they got it down to {$6000.00}. Also told me I had to do automatic payments, pay fees, and interest was not disclosed. They also did not tell me about all payment options to me. I called corporate asked to be transferred to another office. They sent me to  XXXX . This location also had undisclosed fees, and tried to add on optional items to my loan. They also had undisclosed fees, and did not give me correct information.They were to pay off current loan, and refinance me. However, it was not the correct pay off amount. What they paid off was higher than the original loan, even after I made a payment of {$190.00}, and had the loan for less than  one  month. I called the manager, sent emails and even called corporate no one has returned my call. I was speaking to someone name  XXXX  from corporate out of South Carolina, she was suppose to help with the incorrect pay off amount. Stated she would research, and get back to me. It has now been  three  weeks no response after several calls, and messages to her. So she is now avoiding me, and none of them are taking responsibility. Although they were legally, morally, and ethically wrong. Furthermore, my husband and I wanted to get a loan or I would co-sign for him. We received a declination letter stating they could not verify our income, it was a lie. We had all pay stubs. They also said debt to income ratio, it was a lie. They improved me for an additional loan of {$3700.00} my take home is {$2500.00}. My husband, and I only wanted {$1500.00} and our combined take home is {$5000.00}. So they have unethical sales practices, they want you to borrow more than you need. They claim it is to reduce debt when in reality your payments go up with their loan. They pay off lower rate loans, for their higher rate loan. Therefore, no benefit for the customer, and nothing is done in the best interest of the consumer. The dates all range from   XX/2017   - XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Navient has bee n reporting late on my credit every month for the last 6 months  XXXX . I have not been late, I have been making a payment monthly, per our consolidation agreement. It has now been paid off through the program I was on but the late payments are still reporting. They told me multiple times they would be deleted because I have been making payments. I did as I was advised to do and I assumed you would follow through with your end. This is seriously affecting my credit as I have a f ew Navient loans repo rting and all of them have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX  The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
Prior to and since  the Lender recorded a Notice of Default i n  XXXX   2017 , I have diligently pursued a foreclosure alternative, such as a loan modification, or short sale.   However,  Fay Servicing h as given me a very hard time regarding submitting the proper documents.    Fay Servicing ha s verbally demanded that I submit a  XXXX  form without the third-party information filled in.   Please see my most recent cover letter to my last document submission. I also copied the IRS office regardi ng Fay Servicing 's misconduct. In addition, I have filled out a complaint form with Nevada 's Mortgage Lending Division in an effort to get the regulators attention regarding Fay Servicing 's blat ant disregard of state and federal laws.     Please be so kind to review these circumstances and st op Fay Servicing from s team-rolling its foreclosure process on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agen cy, Especially   XXXX   and  Experian,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.

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 2017-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , there are multiple inquiries from  XXXX   XXXX  and  XXXX  on my Equifax Credit file that I did n't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I have been trying to get the fedloan.gov to certify my eligible student loans for public service loan forgiveness. I have been trying to resolve this matter for over a year with numerous phone calls  ( 10+ )   and submitted written requests.     Issue is whether  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  a non profit  501 ( c ) ( 6 )   qualifies for public service loan forgiveness?      Public Service Loan Forgiveness is gr anted in the following circumstances '' " If your organization is tax-exempt, but is not a  501 ( c   ) ( 3  ) organization, it could qualify under this category if it provides a qualifying public service. '' Fedloan.gov will not provide what standard is used to define the following qualifying public service :  Emergency management Public safety T hey wo n't tell me if I do qualify. If do n't, why not? What is the standard. No guidelines exist and no one will put anything specific in writing. I am constantly put on hold fo r 20 m inutes or more and then hung up on.     https : //myfedloan.org/borrowers/special-programs/pslf

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: FL

Complaint narrative:
I noticed multiple inquiries from  XXXX  reporting on my credit profile that I did n't authorize. I 'm also aware of Transunion system glitch and possibly resulted in unauthorized reporting of such inquiries.      XXXX  -  XXXX   XXXX ,    2017   XXXX  -  XXXX   XXXX ,  2017   XXXX  -  XXXX   XXXX ,  2017

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