vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I've been attempting to pay for Items on XXXX, two different payment methods were attempted. Both a credit and a prepaid debit card were used, both rejected numerous times. The error message shows, " Payment method not accepted, please use a different method of payment or check card details ''. The cards are issued from different banks and are separate from another, XXXX reps directed me to Paypal as they process payments for XXXX. The card numbers end in XXXX, a credit card, XXXX, a prepaid debit card. Both banks do not show any attempt by merchant to process payment, no declines from said merchant. Paypal reps gave me varying reasons for error including, a Paypal account is needed to use card on XXXX, or the seller only accepts payments through Paypal, or the card I'm using is linked to a Paypal account which is restricted. I was also told the email address I'm using could be linked to a restricted Paypal account, my email is XXXX and not linked to any Paypal account I am aware of. The seller of the items opened an unpaid item case against me and is now closed, I now have a strike on my XXXX account since I am currently unable to pay. Paypal needs to fix the error on their end, it appears I am not able to use any card on XXXX to pay..For their information, my XXXX user name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect

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 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MN

Complaint narrative:
I recently had my loans transferred to XXXX after applying for the PSLF progam. I submitted my application in XX/XX/XXXX. My loans were transferred from XXXX to XXXX in XX/XX/XXXX. When I received my first bill from XXXX it said that I had made 0 qualifying payments for the PSLF program even though I have been repaying my loan since XX/XX/XXXX. I called XXXX in XX/XX/XXXX to see why there were no qualifying payments and they said that they would open an investigation, but that it could take 60 - 90 days to get the information and add it to the account. 
I called XXXX again on XX/XX/XXXX to check on the status of their investigation. I was told that it was still an open case. I asked to talk to a manager so that I could get a better understanding of where they were in the process. The manager told me that 60 - 90 days is not possible and it may take two years to determine the number of qualifying payments being made. Meanwhile, they have not even counted the payments I have made through XXXX as qualifying payments. 
Obviously, I am shocked by the two year wait time. We are supposed to resubmit verification every year, but it takes two years to process? I am extremely concerned that the payments will not be counted, that I am on the wrong plan or that when my ten years of payments are made it will take a few more years to process. If payments are not being counted, I can not wait two years to find out. I am a XXXX XXXX XXXX and the cost of my loans is excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: FL

Complaint narrative:
: Back on XX/XX/XXXX I received a letter in the mail, looking like it was from the Department of Education Federal Loans Department. It stated they had a new program to help consolidate my student loans with an easy and faster payment plan. I called and was told they would consolidate my loans and have them payed off by XX/XX/XXXX. I would have to make payment of 2 @ {$74.00}, 10 @ {$170.00} and the rest @ XXXX per month with XX/XX/XXXX being my last payment. I filled out the forms and sent everything in and my representative said they would get back to me. The next day I had an approval and they began to take payments direct from my checking account. To this day I have paid {$2200.00}. I have found out the NONE of it has gone towards my loans, they only kept them at a {$0.00} balance due, but interest was still adding up. I WAS SCAMMED! I called both former loan companies and they said that no payment was EVER made by this company. I have been trying to call them, but only get a message saying they will return my call. I have emailed them multiple times with no response. They use XXXX ( XXXX XXXX   XXXX ) for collecting money. They as well will not answer the phone or emails! Now I finally see all the complaints online about this company, but nothing has been done to stop them. I want and deserve a refund!

Company response to consumer: Untimely response
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: NJ

Complaint narrative:
I got a call from Premier Student Loan Center and I believed it has been a scam. They asked for my social security, my debit card number, as well as various other personal information. I have been scared to give them a a call back, and just want to make sure that I am safe for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from XXXX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an XXXX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they? 
The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from XXXX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.

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 2018-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU EQUIFAX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH XXXX XXXX XXXX AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( EQUIFAX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: GREAT LAKES
State: TX

Complaint narrative:
I connected with XXXX XXXX to assist with student loan payments, but have received an FTC notice and instructions on how to fill a complaint about their unfair and deceptive practices. I have since canceled the subscription to XXXX XXXX. I don't know where to proceed from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I do not have any knowledge of this account from XXXX XXXX XXXX XXXX. I sent a letter specifically requesting to have the account validated and the proper validation was not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
We are getting as many as 13 robot calls per day from XXXX ( XXXX ) about the statuss of XXXX XXXX XXXX account. No XXXX lives at the residence associated with the phone number and we have no XXXX XXXX account. We have responded to the robo- call indicating they have a wrong number. The calls continue. This practice is wrongful. We have no business relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: FL

Complaint narrative:
On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to XXXX XXXX XXXX XXXX. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX and XXXX.I disputed with Equifax but recieved a email Pdf saying The Collection agency XXXX XXXX XXXX XXXX verified it was me.that a lie.I contacted them first when o saw on XXXX they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because XXXX XXXX say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. I have a variety of proof that I'm a florida resident and I work in Florida.I never set up a Electric utility bill in XXXX, Il.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Preferred Visa Card Dispute Department not assisting with dispute of partial charge {$220.00} of total of {$1.00}, XXXX. 

After several days after purchase date XX/XX/18 called Bank of America Preferred Visa Card Dispute Department and provided all details and needed facts and evidence provided. Charge was reversed and no follow up request from Bank of America Visa Card Dispute Department until letter received ( on XX/XX/18 ) and requesting copy of receipt instantly with demand ( by Dispute Department ) of receipt within 72 hours. Because of request to speak to supervisor about additional question was placed on hold for extended period of time- with out specking to supervisor find out if other inf. was needed.

Receipt of transaction was faxed to requested fax number same date of receipt of letter from Dispute Department ( XX/XX/18 ), with detailed description of disputed amount. 

XX/XX/18 Received letter from Visa Card Dispute Department making claim that the copy of receipt was not received. 

XX/XX/18 Called Bank of America credit card services and was told fax was received. 

XX/XX/18 Called Bank of America credit card dispute services to confirm receipt a second time and was informed that I need to go back to merchant.

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 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This credit collection company XXXX XXXX is reporting inaccurate ; erroneous information attaching it to my name and social security number trying to ruin my credit life!!! First, 1.  They are reporting two debts that are EXACTLY the same. XXXX actually transposed the first 3 numbers of what they call an account number - and duplicated the account onto my consumer credit profile with the credit bureaus 2. They're also reporting a third debt that there's no knowledge of. 
3. These debts have no validity and are inaccurate 4. They are in direct violation of HIPPA by reflecting account numbers and names of original health care providers ( disclosing personal consumer confidential information to a third party ) 5. They claimed a name change from money recovery to RMP yet still reporting money recovery inaccurate collection accounts on my credit bureau reports - complete violation. 
6. They are refusing to remove these inaccurate listings asap from my credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to 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 non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Filed a complaint againt Chase mortgage company in the beginning of the year because I was having a problem with a short sale after the other owner passed away in XXXX. I have been trying to sell the property since XX/XX/XXXX. As if today, they are still giving me the run around.I was contacted by a employee from their executive office about this matter. She stated to me that I would not need a administrator or executor of his estate to sell the house because i was on the mortgage and note. I had a cash buyer and we were suppose to close by XX/XX/XXXX. Three days before this date, Chase decided that I was not on the title and would need someone for his estate to sell the property after they told me in a message and in documents that I didn't. I was contacted in XXXX by the executive office that I could sell the house myself, so why would they wait until it's time to close to come up with this. All Chase does is ask for the same documents a million times when they already know that they are going to hold on to the property as long as they can. It's been 1 year and 8 months trying to get this short sale done. This is why there are so many abandoned houses in the city of XXXX because when you try to do the right thing and sell the property instead of walking away from it banks like Chase give you the run around. Please do not get a loan for anything with this company. YOU WILL REGRET IT IN THE END.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2018 I went in to the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Ma XXXX I walk up to the teller swipe my card and then enter my code. After the teller look at me and then look at my three accounts the teller then asks me for my ID I said even though I swipe my debit card and put in my code. After telling her Im just checking my balance Im going to transfer {$200.00} from one account to anther account and them she/teller said I still need to see your ID I said you need my id just to check my account balance and she/teller said yes. 
So I go over to customer service and tell him the same story and then he ask do I have my debit card with my code and I said yes and then we both go back to the same teller the customer service man ask me to swipe my card I did. And then he said put in your code. I did. And then the teller checks all 3 balance and did transaction and I'm still asking both of them why she needed to see my id NO ONE COULD SAY ANYTHING TO ME .... but I know why I never felt humiliated and embarrassed like that in my life On Monday morning I call that same branch to speak to the manager and he made up so many excuses on why I need an id and got all out of his professionalism and started acting immature over the phone so I told him I will just report it to the XXXX and the Manager / XXXX said he dont care an then I hung up.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I received a credit card bill from the XXXX XXXX XXXX brand credit card issued by XXXX XXXX. I don't believe I have ever used this card, and the first notification I ever got from them was this bill that showed that I made no charges but was being billed a {$69.00} annual fee. When I called to close the card, they said that they would close the card but that I still would have to pay the annual fee. I asked to speak to a supervisor and when she finally got on, she said the card I had to pay the annual fee and that the card would stay open and interest and charges would accrue until I paid the fee. I have never encountered a credit card company that wouldn't close the card and remove an annual fee on a card that had not been used, with XXXX balance except for the annual fee.

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 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received my XX/XX/XXXX statement, however my mortgage increased by {$10.00}. Back in XX/XX/XXXX I received a statement of my escrow account which stated that we had a shortage and if we did not want our mortgage to increase we needed to pay {$180.00} which I paid by the due date and it cleared my account on XX/XX/2018. So I was surprised to see that my mortgage increased. I immediately contacted my loan company and spoke to a XXXX I D # XXXX to advise him of the situation. He informed me that their escrow department would not adjust due to the small amount. I explained to him that was not my problem that you adjusted wrong and that I complied with what I was given. I also told him you didn't even send out another notification informing us of your error you just adjusted my mortgage. With my mortgage payment being due tomorrow I don't know what to do. I can not afford to have my mortgage increase by any amount.

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 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to 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