vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 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: AES/PHEAA
State: KY

Complaint narrative:
I graduated in XXXX with a substantial amount of debt. I immediately enlisted in the military with hopes for additional repayment options, etc. I utilized the SCRA to help while XXXX XXXX, however AES/PHEAA/XXXX immediately began their scare tactics upon my discharge. 

The first straw was in XXXX when the co-borrow called to make a payment on a past due loan that was through XXXX XXXX XXXX. They took the money, allocated wherever they wanted, neglecting the loan that actually needed to be paid. It defaulted. Once questioned as to why it wasn't sent to the right accounts, the response was " he didn't say he wanted it all allocated there ''. COMMON SENSE SAYS TO PUT IT WHERE IT NEEDS TO BE- NOT WHERE IT ISN'T NEEDED. They conducted an " internal investigation '', claiming they listened to the recordings and were not at fault. Yeah, right. I told them about his age ( and why he doesn't do online payments ) and they said- " maybe he was just confused ''. DISGUSTING! My father ended up using his entire savings to cover this loan once it was in default/collection. 

I have called countless times to make other payment arrangements, only to be told by one representative I had such and such options and getting my hopes up. But then I get notice that my loans are 90+ days past due and my good faith payments were for nothing. I then call back and get a representative saying things such as " I don't know why the last person would have told you that '' and escalating me to a " supervisor '' who said that things just haven't processed to reflect the amount owed. A week later, I see I'm 103 days past due. I call back yet again to be told : " you used all the options available ''. 

In short, I want to pay! I just can't pay the amount they want. I can't get a consolidation loan somewhere else because XXXX/AES has ruined my credit beyond belief. I'm to the point that I ask myself why pay at all? If what I can give isn't good enough, I may as well keep the money in my pocket to pay my rent and eat. 

The original cosigner for the loans is now XXXX and living on Social Security. WHY are options for repayment so limited? I'd sell a kidney just to be able to move my loans to another servicing company with actual legitimate repayment terms. They have done nothing short of ruining my credit and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/2018 I purchased a mattress from the local JC Penney store. Along with the mattress I purchased a foundation ( which the sales person said I needed ) and paid the {$25.00} fee for the delivery person to haul off our old mattress. I paid for everything with my JC Penney card. 

After going home & looking at our bed I realized we did not need the foundation. When the delivery company, XXXX XXXX XXXX, called to schedule the delivery I asked if we could refuse delivery on the foundation & the company representative assured me that would be fine. 

XXXX, XXXX brought the mattress the morning of XX/XX/2018. A man named XXXX XXXX signed the delivery receipt. On it, he made note that we accepted the mattress but did not make a note about us refusing the foundation. He did circle the ID # for the mattress and wrote Accepted Mattress. The handwriting is difficult to read but the word accepted is readable. My husband signed the receipt accepting the mattress. We were assured by Mr. XXXX that refusing the foundation was fine, and that our money would be refunded. 

In XX/XX/XXXX I received a statement from Penneys, which included the cost of the foundation, {$130.00}. I paid the cost of the mattress, {$1400.00}, in full. However, I filled a dispute with the company re : the cost of the foundation, which we did not accept. I called Penneys customer service line to do this and was assured it would not be a problem. I was told this happens all the time because the delivery person fails to notify anyone of the refusal. He said the foundation was probably sitting in a warehouse somewhere & just needs to be tracked down. 

In the last correspondence I received dated XX/XX/18, I was told my complaint had been denied and was informed that this incident would be reported to the credit bureau 's listed in the letter if I did not pay the bill. 

I will attach all correspondence between Synchrony Bank & me  regarding this matter. Synchrony Bank handles all the credit card accounts for JC Penney. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX 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 monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I legally changed to my married name on my XXXX State driver 's license and US Passport. I contacted PNC Bank to ask how to change my name with them. They supplied me an address to physically mail a request to change along with supporting documents. I called 10 days later to confirm they received it. They stated it was changed on the loan only. I requested them change it on my vehicle registration and Title as I could be cited in a traffic stop for my registration not matching my ID.I complained online on XXXX on XX/XX/XXXX that PNC still hadn't changed it. That afternoon i was contacted by their resolution team by XXXX XXXX ( XXXX # XXXX ). I responded with an email of my best times to speak on the phone as she requested. That next day ... no call. I called the number she provided and after getting out to 4 different consultants, I was given to XXXX XXXX XXXX. She told me to contact my DMV and XXXX   Dept of Motor Vehicle registration and see what they told me. These places all said she had to handle it. I also during this time, contacted my XXXX XXXX tag office to ask them what they suggested. I have an email proving they stated it has to be done by PNC. XXXX said she would research and get back to me. On Monday XX/XX/XXXX, i called and spoke to XXXX XXXX at PNC and she said XXXX XXXX was out but she would inform her to follow up. I literally left a message daily after that to see why she hadn't called me back. I called XX/XX/XXXX & XX/XX/XXXX and requested that someone contact me regarding my request as XXXX XXXX has not returned my calls. I spoke with XXXX and XXXX at PNC Retail escalation ( I have their extensions as well as call logs proving this ). They all refused to assist me and kept saying XXXX XXXX would contact me. They also verified she was at work to respond to me. I was told her manager would also be made aware of my concerns. Today, XX/XX/XXXX, XXXX called me and informed me that XXXX XXXX said she never spoke with me even though PNC has recorded lines. He said he would be taking over and asked for my ID information again after i had confirmed PNC received it along with my request weeks prior. He said he would research how to change my name on registration and title. I asked him if he would like the email from the Tag office stating it was up to PNC. He refused that. I feel like PNC is refusing to perform what i have requested as a loan holder and i have provided everything needed for them to accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XX/XX/XXXX I was cut a check in the amount of XXXX ... I wasnt thinking due to the fact that bills where passed due and Ive never had problems with this before I downloaded the banking App to deposit said check normally my bank in the past has granted me some money available but they didnt. On the next business day which would have been Tuesday the XXXX I called my bank and they told me I had to wait till it was done processing to have the deposit canceled as I needed money to pay bills. As expected my phone got shut off and the insurance lapses as well and I almost lost power due to Bank Of America neglecting to properly advise me. Since I also bank with the same bank the check was written from I asked if they had cleared it. I had been robbed two days prior and now I had another issue trying to get a state ID. Little to my surprise I recived back pay from another job and a new bank card as I went to try and cash them I ran into another problem apparently fraud had take. Affect and Bank of America neglected to inform me once again that they locked my card becuase of this now I was in panic and worse off then before. I called the number they asked me to call and asked them to unlock the card they placed me on hold over 2 hours before I hung up and called back again I did this several times before I lost it and profanity came out while on the phone with a representative. By gods good grace my other bank cleared my checks and I was able to pay said late bills with penelties. Now Bank Of America said they will hold my funds till the XXXX due to fraud in the area I live in. Thats fine but not understandable considering my other bank already released the funds and now my bank card through Bank of America has to be canceled. So now I dont have a bank card Im planning on closing my account but I fear they will not give me whats rightfully mine if thats the case I will place a new complaint

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 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX Visa card. I was paying my bill on time every month on-line. I received an electronic notification from my credit monitoring system that my account was closed. I called XXXX XXXX and was told they had changed the address of my account due to information received from the United States Postal Service. The address was my children 's new apartment that I had co-signed for but never lived in. I NEVER changed my address with them or with the United Postal Service. The reason for closing my account had something to do with returned mail, which would have occurred because I never changed my address! 

I never received any of their mailed notifications, because I never changed my address. I never had a message from the payment site in the secure message section. I never received a voicemail on my phone that has also not changed. They changed my address WITHOUT my consent and then when they couldn't reach me, they closed my account which will negatively affect my credit. 

I am unable to get basic information on my account without providing numerous identification information, how are they able to take the USPS incorrect information to change my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On the XXXX of XXXX I called Chase to set up my account so that I could make payments. On the XXXX I discovered that all of the payments that I was making had been declined. when I called Chase the customer service person told me that the person who took my account number entered it in wrong and had one number missing. That day I continued to make payments as I swiped my card. When I was leaving for my flight to XXXX VA on XX/XX/XXXX, I discovered that my card was declined. When I called Chase they told me that they had closed my account due to payments being declined. Since then I Went back and forth with many customer service agents who were very rude. They would not answer my questions when I asked them why I was being punished for their error. I would almost understand why they closed my account if I had a payment, but at the time when they closed my account, I did not even have a minimum balance due. Each and every customer service agent was very rude to me. Sometimes telling me that I had to wait 3 days to talk to a supervisor and sometimes they would transfer me over. No one that I spoke with over the phone was able to give me an exact reason as to why my account was closed when it was their admitted error AND I have not received any notification that my account was closed or that my payments were invalid because they entered it in wrong. This is a horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX  XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55 % Balance : {$550.00} / {$1000.00}

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 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp
State: TX

Complaint narrative:
Last XXXX I consolidated all my loans with XXXX XXXX. I also changed my checking account because of a fraudulent charge. During the consolidation I the agent asked me about a $ XXXX  monthly payment with Lending Club. I went into my Lending Club online account, I had a previous loan with them that XXXX XXXX paid off, and found no open loans. I believe this charge is 'phantom debt ' and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I opened an account with Amplify Funding in XXXX, 2018 for {$850.00}. I don't believe I received the actual interest rate until after I signed, but now see that it's XXXX  %!!! For an {$850.00} loan, they want me to repay {$3100.00} back! I have made the first payment via ACH from my checking account, but feel I should not have to pay back at a XXXX % interest rate, which seems like loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America continues to offer through the mail, Money Saving Checks which may be used for any purchases or transferring balances from higher interest rate credit cards. These checks, generally there are 2 or 3 in each mailing, offer promotional rates as low as 0 % for a limited time. 
There is a one time transaction fee for using any of the checks. This is explained in the literature. 
However what is not explained, and it took me several phone calls and visits to the local branch before anyone could explain why i was being charged a fee each month. Admittedly only {$1.00} but nevertheless I suspect that there are many who are unknowingly paying the fee because unless the balance for new transactions is paid each month the fee would be embedded and lost. 
The fee, so I found out after much trouble, is interest on any new transactions. New transactions, whilst there is an outstanding balance on the initial check transaction. do not have any grace period. Even if all payments are being made on time. 
This zero grace period is not explained. Nowhere. Even the BofA staff did not know.

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 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
XX/XX/18 - company still shows payment due on online and automated phone system and has added a {$26.00} fee ( assuming late fee ) to my normal {$890.00} payment. The loan is PAID OFF! as of XX/XX/18. The system should reflect that there is NO PAYMENT due! I can not trust that your company will do the right thing and not report a 30 day late at the end of the month - even though my loan is paid off and there is nothing due. On XXXX.XXXX.18 in talking to XXXX # XXXX, I was informed that it could be 3 to 6 months for the system to update with no payment due! Are you kidding me? This is totally unacceptable! When a payment is made the amount due should immediately update - If credit card companies can figure out how to do this then surely Freedom Mortgage can figure it out! You are putting out incorrect information to your customers. I do not see how this can be acceptable to anyone! Seriously, this is a SIMPLE programming change.

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 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My complaint concerns disaster loss claims handled by FlagStar bank. My house suffered flood damage from Hurricane Harvey in XX/XX/XXXX ; we were awarded $ XXXX insurance claim to repair our house. As per protocol FlagStar has held the claim in escrow and has provided installment payments as the repair work is done throughout XXXX. 

In XX/XX/XXXX we were awarded and additional $ XXXX installment per completion of a property inspection ( per the inspection our property was 85 % complete at the time ). We sent the proper papers to receive our next installment but have heard no response from FlagStar. I have learned that the bank is undergoing a system change and is unable to handle ongoing claims in a timely manner so the processing of my claim has come to a screeching halt. It has been over a month and FlagStar has yet to act on processing my claim.

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 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2018 While checking my credit report, I found a Capitol One card  on XXXX that does not belong to me. The following is from the credit report : CAPITAL ONE BANK USA Account # XXXX Original Creditor - Company Sold - Account Type Revolving or Option Date Opened XX/XX/2018 Account Status Open Payment Status Pays account as agreed Status Updated XX/XX/2018 Usage 93 % Balance {$9200.00} Balance Updated XX/XX/2018 Credit Limit {$10000.00} Monthly Payment {$92.00} Past Due Amount - Highest Balance {$9200.00} Terms M Responsibility Authorized User Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I. Capitol One a. I called Capitol One. They do not have any active credit card with my SSN other than my valid XXXX account. 
b. They were not able to identify another account under my name. 
c. Capital One gave me the following credit bureau number to contact : i. XXXX  : ( XXXX ) XXXX II. XXXX a. XXXX put a fraud alert on my account through the automatic system. 
b. When I got a live person : i. XXXX was unable to help me with the account. The person I talked to only had the same information that was available on my credit report. 
ii. He gave me the XXXX Dispute phone number : ( XXXX  ) XXXX and a follow-up number : ( XXXX ) XXXX iii. When I called the Dispute phone number, the person would not give me the full account number ; however, the last 4 digits are XXXX. ( XXXX ) iv. XXXX  is submitting this as a fraud investigation. They will contact Capital One as part of the investigation. 
v. They will mail a copy of the investigation results within 30 days. 
vi. They suggested that I file a police or FTC report for this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
on XX/XX/XXXX i was contacted about a debt i wasnt aware i asked him to please verify the debt and he refused to verify it and he said it was my responsibility to prove it wasnt my debt and he was going to start reporting it to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TX

Complaint narrative:
These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX  Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55  % Balance : {$550.00} / {$1000.00}

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