vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have worked in the public sector for almost my entire career. I consolidated my student loans in XX/XX/XXXX ( all Unsubsidized and Subsidized Stafford Loans ), that I accrued while attending XXXX XXXX at XXXX, as well as XXXX XXXX at XXXX, from XXXX. I have been making payments on those loans since XX/XX/XXXX, with a few deferments here and there because life happened. In XX/XX/XXXX, I asked my loans to be transferred to MYFEDLOAN from XXXX, my prior servicer. I also have record of all of my years of payments to XXXX, but the most recent few years of payments to MYFEDLOAN accompany this complaint. I changed loan servicers to MYFEDLOAN to begin the PSLF process, as I had worked for the 10 years the PSLF program required. MYFEDLOAN stated, after review of my application, that I had been placed on the " level '' repayment plan, vs. the " income based '' automatically, years ago, and therefore NONE of the payments I have made since XX/XX/XXXXhave counted towards PSLF. I was never told of this change. In addition, since I have transferred my loans to MYFEDLOAN in XX/XX/XXXX, NONE of those payments have been counted toward forgiveness, despite repeated phone calls to MYFEDLOAN. The record of those payments accompanies this complaint, and I have all documents covering payments made to XXXX as well. I would like my loans forgiven, as promised. I also want my last few years of payments to be counted toward forgiveness, because I am enrolled in the right repayment plan, and MYFEDLOAN still refuses to count those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NC

Complaint narrative:
XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NC

Complaint narrative:
XXXX XXXX XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: CA

Complaint narrative:
A person sent me {$850.00} using Venmo on XX/XX/XXXX, Venmo allowed me to transfer the money to my bank on XX/XX/XXXX. When the transfer didn't happen as scheduled I called Venmo on a recorded line to ask why is there a delay. They informed me that the FTC ( federal trade commission ) is reviewing my transactions and it will take up to three business days for that review to conclude. They did not advise me of a review prior to my inquiry nor would they tell what the review was for. I asked for my call to be escalated but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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: Wagner Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX   stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 My friend gave Me {$60.00} with his Bank card to my Bank card. 
So on XX/XX/2019 He lost his card There for he was force To cancel his card. 
So when he cancel the card His bank took it in there on hands In took my {$60.00} off my card In that when i told my friend to Call his bank in get my refund Back.we call in  they said we will refund Me .they didn't so we wait a week In the whole month of XXXX we called every day They will say we will refund u they never did So my bank told me to rech out to you guys We have captial 1bank on record with me my friend In my bank in his bank telling my bank they are going to Refund me THEY HAVE NOT .this has now made me fall Behind in my daily bills Rent, phone, credit, food personnel stuff. {$3000.00} behind Negitve impact on my credit For nothing we told this bank Several time to put the {$60.00} Back on the. Card in they keep Repeatedly saying they will in have not My friend has also put a complaint in as well This is not fare to me Or my credit this is My life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : Equifax results : We're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. 

XXXX results : A condition exists that prevents XXXX from being able to accept your request at this time. 

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a modification and was approved. I made the payments as instructed and and agreed upon. I was not late and XXXX transferred servicing to ocwen and then to phh mortgage both companies refuse to honor my modification that was in place. I paid the modified amount for 10 months and have the receipt. I am under a confidential settlement agreement from court action settled in 2017, which clearly states both parties will bear their own cost of litigation, I am being charged for attorneys fees and foreclosure fees which is a direct breach of the settlement. The bill I received from PHH Mortgage Corporation contains erroneous charges as well as no payments applied. I requested by phone and in writing a validation of debt and correction to no avail. It is my understanding that any company claiming to service a loan where a modification is in place is required to honor the modification or they may not service the loan even if they do not offer that specific product. I have asked phh mortgage To produce any and all documents showing they have to be right to service and or foreclose on said note. I need to be sure of several things before making any arrangements with anyone regarding payment such as the right to foreclose, and is phh the correct entity to make payments to, as well as being billed the correct amount. I was offered and accepted a modification from XXXX  and I expect it to be honored. I have made several attempts by phone to speak with my single point of contact to no avail. I am being told my account has been referred to an attorney for foreclosure rather than getting my payments applied and correcting the errors in the account. I have spent hours on hold to speak with single point of contact and have never been able to speak with him. Please help phh respond and correct. Thank you for your attention regarding this matter. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX divorced XXXX XXXX in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with XXXX and equifax now XXXX   took it off right away no problem. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: KEYCORP
State: IL

Complaint narrative:
This past month I noticed that my credit score had decreased significantly via XXXX XXXX   ( it was XXXX in XXXX and is now XXXX. I looked into this further today via my credit report and saw that I had a private loan from XXXX XXXX that was past due. 

I called XXXX XXXX and learned that my loan went from from XXXX XXXX ( servicer ; XXXX ) to Key Bank ( lender ; XXXX ) to collections. The initial person I spoke with from XXXX XXXX said it was over 120 past due ( started in XX/XX/2019 ). He said I could call Key Bank and it would either be handled as a rehabilitated loan or as a default ( paid off so that it no longer affects my credit ). 

Then I called Key Bank and they said I could pay the full balance ( {$21000.00} ) or {$14000.00} as a settlement, or that I could make monthly payments until I could pay off the balance. I told the represenatative I did not have the money to do this and inquired about other options and he said there was nothing they could do. 

I then called back to inquire about the forebearance/deferment status of my loan considering I had just XXXX  as a XXXX XXXX XXXX XXXX in XX/XX/2019. The woman told me to call back XXXX XXXX to ask these questions. 

I called XXXX XXXX and spoke with XXXX who looked into this to tell me that the XXXX XXXX  was not updated by my school ( XXXX University ) about my student status ( forebearance/deferrment as I was a XXXX XXXX XXXX until end of XX/XX/2019 ) until XXXX ( a month after graduation ). 

XXXX XXXX is going to contact Keybank to see if the loan can be reinstated and backdated ( loan and credit ). They told me to check back in 1 to 2 weeks. 

I feel this is unfair as I didnt receive any letters or call notifications ( my parents contact address and phone was in their records ). In addition, my school didnt update the XXXX XXXX regarding my status and in XXXX ( when the loan was expected to start receiving payments from me ) I was defending my XXXX dissertation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an email from experience. It stated my credit score could be increased by looking into my monthly payments paid on a regular basis.

I signed in. The program looked at my payment statuses and pretended like it had increased my credit score. Searching my credit score on credit car a, it did not change. 
Without my knowledge or consent my credit card was charged {$21.00}. 
I did not like it but accepted the fact that I got screwed. Then again the next month I was charged {$21.00} again. I did not know why. It turns out that was signed up for some unknown to me program. 
I logged into the acct to cancel as their phone message stated I could do. There is no way of doing so plus they blocked any online chat. 
On the phone the auto response stated they did not have enough information on me to continue any further. 
I see this as a deliberate fraud from the very beginning and believe I deserve my money back and experience does not deserve to be in the credit reporting business. 
Please take action.

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 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
XXXX XXXX P.O box XXXX XXXX, CA keeps harassing me over a debt that is almost 7 years old from the XXXX XXXX a company that has went out of business they adding interest the debt and they are a 3rd party collection agency. Under the F.D.C.P.A federal Department of Collection Practice Association and Federal Trade Commision laws I have repeatedly asked for verification of the debt to prove I owe it. I even tried to settle a debt I don't owe but was not able to reach an agreement with the company. I do not owe this debt. At first it was only on my XXXX credit report but as of XX/XX/2019 it appeared on my XXXX credit report with a outrageous amount {$430.00}. It just keeps going on up. I know this this against all laws and seeking information on how to personally sue this company.for malpractice and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Dedicated Financial Partnerships
State: MD

Complaint narrative:
Beginning on XX/XX/XXXX Dynamic dedicated Financial Partners began to call me 5-10 times a day. I never answer number I do not know. they never left a message. At XXXX n XX/XX/XXXX I answered the phone and told them not to call me again. At XXXX they called back using a un-available number and at XXXX XX/XX/XXXX they began to call every 10 minutes even after being informed under the Fair Credit protection act to cease and desist, and even so far as calling them on their own number and speaking to " Supervisors '' and the " President " of the company and informing them that I had every intention of hiring a lawyer and sue them as well as laughing at my threat to file this report. To date they are still calling 5-10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from 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 2019-07-26 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection with CXXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from 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 non-monetary relief
Consumer complaint received 2019-07-26 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: Westlake Services, LLC
State: OH

Complaint narrative:
I made final payment of loan XX/XX/XXXX in the amount of {$560.00}. Westlake Financial is not reporting information. From XX/XX/XXXX to XX/XX/XXXX {$18000.00} in payments were made to my loan. I overpaid my loan by {$640.00}. They even sent me a refund check. My reports are still showing account is open with a balance of {$17000.00}, last updated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : XXXX results : We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet.

Experian results : A condition exists that prevents Experian from being able to accept your request at this time.

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2017, I was offered to sign up for BestBuy credit card through Citi bank at my ( former ) local BestBuy in XXXX, ND. Since I am a regular BestBuy member, I accepted the offer. A few months ago, I realized that the Member ID number on the credit card didn't match my BestBuy account number. I have made many calls to both BestBuy and Citi bank. While I think it was Bestbuy 's fault to associate a wrong account ID with my credit card, Citi bank has failed to protect me as a consumer. There is no direct communication between both corporations and I feel that I have been deceived. If I don't find a fair resolution, I intend to file a legal compliant in court. 

My Credit card info : Name : XXXX XXXX Last 4 on credit card : XXXX Member ID on the card : 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