vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
ive been paying on this loan over 10 years and it was just a XXXX dollar loan these people are robbing 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 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC
State: TX

Complaint narrative:
Receiving automated phone calls from ( XXXX ) XXXX and other numbers. Leaves a message but does not identify this as a debt collector. They also are imposing artificial deadlines by saying " we must hear back from you today '' or " this is a time sensitive matter ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been doing a lot of back and forth communication with this company Card Benefit Services which are the representatives of Wells Fargo insurance claims. XXXX Wednesday, XXXX XXXX. I spoke with a representative named XXXX that seemed to understand what is going on, the call was recorded on their side and the number I used to contact was XXXX. 

I was denied compensation due to the following " The Cellular Telephone Protection Program does not cover items which have cosmetic damage or damage that does not impact the item 's ability to make or receive phone calls. '' The phone that I sent into them, does not function at all due to internal issues. It will not turn on and is non-operation. I called in to get clarification as to why they do n't cover my claim. They said it was due to the fact that they do n't cover internal/mechanical damage. 

If you take a look at the documentation I have uploaded, this is what I sent them as a rebuttal for their denial of insurance this might show a better understanding of what the situation in. 

I have called Wells Fargo for assistance on this issue, and they refused to help they stated they could n't do anything since the card was under XXXX XXXX Basically, I was denied a claim for an invalid reason. Wells Fargo insurance stipulates one thing, while Card Benefits Services claims that they follow different insurance. I have provided documentation under which I have cellular insurance provided from Wells Fargo. 

If this is n't the right agency to deal with this, could you forward this to the right agency? I just want this claimed resolved, and want it on the record that Card Benefit Services falsely denied me on a claim, and is n't following their policy. 

Case ID : 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 monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I would like to file a dispute concerning a balance of {$58.00} on my XXXX and XXXX credit card account, managed by Comenity Bank. 
This amount includes two late fees of {$27.00} plus two minimum finance charges of {$2.00}. 
It is for a payment I made on XXXX XXXX at XXXX for {$28.00}. The payment was due that day. I would like to file an official complaint that there was no hour deadline on the first page of the bill where the XXXX XXXX amount is stated. It simply says the amount should be paid on a specific date, XXXX XXXX. As we all know, every day has 24 hours and so according to that detail, I had until 11.59pm to make the payment. 
Again, the first page DOES NOT tell clients that the amount has to be paid on a certain hour. Anyone paying online, which includes most people, would have no idea they have to pay by a certain hour on that day. 
In fact, the only place in the bill in which the DEADLINE HOUR of 8pm is stated is BURIED in tiny letters at the end of the page on the reverse side. That is absolutely misleading for any consumer. 
A few weeks later, XXXX claims it sent me a letter statement with a late fee amount of {$27.00}. I did NOT receive this letter. The company claims it had sent it but can not prove I actually received it. I did NOT receive it. Additionally, it sent me another letter afterward with a late fee on top of the late fee ( now totaling {$58.00} XXXX I also did NOT receive that letter. XXXX has no way to prove that I had received it. I did not receive EITHER letter. Therefore, I couldnt be notified of these amounts. 
I spoke to a Comenity representative named XXXX on XXXX XXXX, who refused to waive the extra fees. 
I request that the whole amount of {$58.00} be waived. I understand that a late fee was already waived in XXXX, and that there is a limit on waiving only one late fee every 18 months. 
However, this is an exceptional case in which I actually paid the necessary amount on the required day, was not properly notified I needed to do it by a certain hour, and did not receive the necessary correspondence about the late fees. I would also like to file an official complaint that an hour deadline be placed at the first page of the bill where the XXXX XXXX amount is stated to make it clear for customers in the future. 
I refuse to pay these late fees and will take this dispute further should my side be rejected. 
I demand that all {$58.00} in additional fees be canceled. 
I also ask for a provisional credit to cover the {$58.00} while this dispute is pending, and for no further late fees to be incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX XXXX secured credit card, o was denied. Do I went to XXXX XXXX. One there I pulled up. I pulled up three credit reports. Had one negative remark with XXXX, it wzas gor the original {$300.00}. I then attempted to go to Wakefields website to see if I could get any info. Well it required an account Number which I didnt have, I called them spoke with a lady named XXXX she states there is more than {$300.00} on my account I asked her to send me records with all We. on them. Well on XX/XX/XXXXI received an invoice from them for only the additional charges not the {$300.00} we stayed with was not on there at all.They are located at XXXX XXXX XXXX, XXXX Tenn their phone number is XXXX. Now on XX/XX/XXXXI wrote them an email expressing that I did not understand why The amounts the had and the amounts credit reports showed was two different figures. Today onXX/XX/XXXX I received the invoices

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on 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 2018-01-18 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I called Barclay Bank and told them that i did not do that inquiry for a credit card and asked them to remove it asap and they sad no.

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 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I ordered a withdrawal of XXXX euros from my coinbase wallet to my bank account onXX/XX/XXXXand at nowdays I have n't seen that money. Of course I tried several times to contact the support but just automatically reply. My case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX Card had sent XXXX Inquiries for the following dates that were not authorized by me -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have spoken to them countless times and they agree they would send to Transunion but have never done so to my knowledge.

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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
Harassing phone calls asking for me and giving out my SSI # There are other people in next to the one calling and they are laughing in the background, if you do n't do anything to stop them I will contact my lawyer, the name of the company is P & B Capital group there has been over 50 lawsuits and still nothing has been done to stop the calls. What are you going to do about it? Call keep coming in few times per week last call on XXXX.18 at XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
InXX/XX/XXXXCHASE BANK ( located on XXXX XXXX XXXX ) in  XXXX Florida closed without any kind of warning my account. 
I have neverhad any kind of issues such as overdraft fees, I have been a cutomer in good standing for more than twenty years including Washington Mutual. 

The account was closed in simple retalitory manner by a so called " manager '' after I complained to her about customer service issue at the branch and the fact that Chase had refused in violation of federal law to investigate a 70USD transfer from my account. I had contacted Chase in XX/XX/XXXX several times via phone and e- mail to investigate the transaction. Chase refused to do so for more than 13 months. 
I talked to a manager with extreme poor command of the English language who also was unable to understand the what a Power of Attorney is, which I held for my XXXX year old father. 
Chase terminated also his account with any kind of warning or notice ( onXX/XX/XXXX ) I mailed a phony backdated notice on XX/XX/XXXX 
We found ot that the card did not work in the supermarket when trying to purchase medicine for my father. 
Chase has ignored all of my e-mails and letters to the branch, to CEO XXXX and to the manager in XXXX. 
Chase has also failed to return me XXXX ( XXXX XXXX ) as a matter of principle as interest for the month of XXXX XXXX which came due after I had to wait for 2 hours to get my money back from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I believe that the initial interest rate exceeded the maximum amount a person should have to pay, well over 20 %. Although I tried maintaining the payment and asked several times to lower my payment, the lender only extended the loan until I could no longer afford to keep the vehicle and it was repossessed. 

The balance remaining after the vehicle was supposed to have sold is well over what the car is even worth today. Below you will see what the value of the vehicle really should be DMV profile XXXX XXXX VEHICLE XXXX XXXX XXXX XXXX XXXX XXXX 4dr XXXX VIN : XXXX DRIVERS XXXX XXXX Year of birth : XX/XX/XXXX Driver license : XXXX License state : FL Expenses Insurance Last updated XX/XX/XXXX - Vehicle Value Estimated by XXXX - {$9000.00} Private party Current valueUPDATED {$9000.00} Private party {$6700.00} Trade-in good condition {$6000.00} Trade-in average condition {$5100.00} Trade-in poor condition About vehicle valuation There are several factors that are used to calculate your cars current value. Your current mileage, where you live and the cars condition all play a role in your cars value. 


Recall notice STRUCTURE : BODY : HATCHBACK/LIFTGATE + XX/XX/XXXX Affecting XXXX vehicle

Company response to consumer: Closed with explanation