vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American express Serve has recieved a refund on XX/XX/XXXX Form a returned item i purchased. They immidietly placed a hold on the funds " for review '' i habe made several.attempts to try and find out why my fund are XXXX XXXX and what exactly what is being reviewed but their customer service agents keep lying saying the amount in my Transaction history with a + sign in green and a Transaction ID is not actually a transacaction but a notification Form the merchant giving them a heads up that a refund is coming their way. Ive reasoned with them but none of them want to damit that my crdit has XXXX recieved therefore i can not have my issues addressed. Ive wasred hours and im fed up because theyve Been getting paid to waste my time while i cant even usw my money to buy food for me and my sibling which is why i returned thebitem. Why are my funds still in hold and in what type oft account are they Held in, is interest accrued while in this account before XXXX released back to me? All we had left was rice and it is now gone. Your Speers response is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: GA

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
My husband and I submitted an application to refinance our VA loan through XXXX, a mortgage broker, on XX/XX/2019. The broker requested numerous types of documentation which we provided by approximately the middle of XX/XX/2019. Also, I think it's worthwhile to note that our credit scores are in the high 700 's. At some point, we locked in a rate of 2.75 % which expires on XX/XX/2019. 
I'm not sure exactly when the loan was sent to underwriters at Loan Depot,   but there was a conditional approval made on XX/XX/2019. Since that date, we have received one request after another for information. Every week goes by without a closing date and every week there is another request by Loan Depot. Today they said they needed he mortgage statements from our current mortgage holder which originated in XXXX XXXX 'm pretty sure that origination date was readily available to them within our credit report back at the beginning of all of this and had ample opportunity to request that information before now. 
I think that one of two things are happening here : 1. They are dragging out the length of this loan process so that the 2.75 % rate expires or ; 2. They don't have the monies for funding. 
I appreciate your attention to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
I tried to pay off the highest interest loans with direct payments, but they were reversed and applied to lower interest loans in different amounts. I asked to have the account audited, but it has been 1 month with no action, response, or communication. The loan valid has not changed in 3 years despite paying 20 % of the total loan value.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: TX

Complaint narrative:
I have been trying to establish credit and keep getting denied. I finally created an account on XXXX XXXX and discovered a debt of {$410.00} being collected by Account Resolution Corp on behalf of XXXX. I called the company because I was confused. I spoke with a lady who told me I visited a XXXX doctor in XXXX of XXXX. I did not visit a XXXX  doctor in XXXX because I live in Texas and in XX/XX/XXXX I was still a minor. This is not my debt. When I called the company she even said my mother 's name was tied to the debt and asked for my mother 's information which my mother refused to give. We have lived in Texas since XXXX. I did not and have never visited XXXX. When I did reside in XXXX XXXX, my doctor was XXXX XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: GA

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I filed a previous complaint against the company XXXX XXXX XXXX. The complaint # is XXXX. They responded saying they were going to stop the collection actions and report to the credit bureaus to remove the debt. They have not done that and not only have they not done that, they have sold the fraudulent debt to another debt collection company whom is now also reporting this debt to the credit bureaus. The new company is " Convergent Outsourcing ''.

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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2019 I went to the Chase branch on XXXX in XXXX XXXX, MI to obtain a copy of my checking statement. I found myself outraged that my statement cut-off is XX/XX/XXXX so I have to wait an entire month in order to provide a copy of transactions to another institution. The branch alleges they no longer have the capability to print my statement nor can I print statement information after the cut-off date. Why, not? I utilized the ATM via debit card to obtain a copy of my receipt which displays the last 10 transactions. This action didnt denote if a transaction was an ACH or give a running balance. I cant provide another institution a screen shot which is the only option Chase left me with. How can I handle business that requires a statement if I have access to a certain portion of my account regarding dates. 
Its fine if Chase doesnt want to print the information. However, to take away my right and control to manage my account is unacceptable. In addition to, not providing any alternative resolution such as an interim statement that can show my posted transactions after cut-off. Allow me the option to select certain days after statement cut-off. Yet, to force a customer to wait a whole month demonstrates a lack of understanding on Chase behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Collection company Caine & Weiner ( file number XXXX ) placed a debt on my credit report that doesn't belong to me. XXXX XXXX XXXX, the collector of my account at Caine & Weiner, informed that they provided the correct information for the person that they were looking for ( wrong address, birthdate, and license number ), but XXXX entered the wrong information and placed it on my credit report. When I talked to a rep with XXXX they blamed Caine & Weiner, and said they would have to submit information to correct it. Meanwhile i'm stuck with a negative account on my credit report that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with Compass Bank in 2018 for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: Nelnet, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I called Nelnet, my student loan servicer to set up an automatic payment. I am still a student, and when I tried to do this on their website it said I could not because, currently being in school means I don't have a due date, and therefore no need to make payments. 
When I called Nelnet the customer service representative took the time to ask his superior if he could help me set up an automatic payment, the answer was no. He told me I could set up bill pay through my bank. When I asked him for help to do this, he said he didn't really know how it works, I should contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I recently had a bankruptcy discharged, after making all required mortgage payments owed per court order by a judge. The company Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, Sc XXXX XXXX XXXX XXXX XXXX began contacting me through letters, credit reports and sending company representatives to my home making threats of foreclosure and asking for my home phone number. This company is not listed on creditors paid in my bankruptcy and I have never had a mortgage through this company. On my credit report they state that I owe them {$110000.00} in mortgage payments. Which is not correct. I do not even know who this company is. Further more if I'm in bankruptcy or recently had a discharge they should be contacting my attorney. In which, I have already notified them to cease and desist in contacting me or coming to my home. Only contact my lawyer. The loan account on their paperwork is : XXXX for property located at : XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Ca XXXX. I'm very concerned that they may start posting notices on my rental property and scare away tenants. Shellpoint Mortgage Company has made statements that the trustee on case failed to submit the final payment. A summary shows all accounts paid. Still waiting for a response to resolve current issue with mortgage company from attorney and trustee on bankruptcy case # XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2019 Call to refinance on a personal loan. Requested a balance {$16.00}??.??. Payment pulled out but not subtraction d from my loan balance. 
XX/XX/2019 Called to see if loan payment pulled by their bank applied. No. 
XX/XX/2019 Called payment still not applied. Clerk tells me to call on the wednesday the XXXX. 
XX/XX/2019 Call loan has cleared. Now all I need is a account summary of my bank account showing positive balance. Go into the store show account summery. Clerk tells me okay to refinance the personal loan. Sign papers to refinance back to {$2500.00}. Receive a check for {$790.00}. 
XX/XX/2019 The night before it comes to my attention I was expecting a check in the amount of {$990.00} or {$1000.00}. Realize my check is $ XXXX- {$300.00} short. So I call well the balance only lian had grown to {$17.00}??.??. Because it took 14 days 2 weeks to post to my loan. 
I lost, interest, and finance charges it happens again in XXXX. I make payments of {$320.00} out of that payment my prinicipal should lower by {$140.00}. Instead it is increasing by double that. 

I start my complaint on XXXX XXXX. Their response on XXXX XXXX is that it usually takes a couple of weeks to clear. And if they were to refund me it would make the contract if the lian null and void. That they are sorry. 
My theory is someone in corporate office is holding on to the payment and gaining interest on that money. This is not fair since it is their bank pulling the payment. How could it the 2 weeks. 
Can you help me to get a refund of {$200.00} for each month that the payment is not applied within a reasonable time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with Compass Bank in XX/XX/2018for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
I received a mail from Maury Cobb Attorney At Law LLC on XXXX XX/XX/2019. It was regarding a debt that I never had with the XXXX service. Most importantly, they had my contact information including my last 4 digits of my SSN. They were sending me mails very often that I was kinda having privacy harrassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had filed a similar complaint ( XXXX ) a while back. The situation improved A LOT but I still got a credit card offer yesterday. The basic facts of the situation are more or less as described in the previous complain. I am unable to use the toll-free number indicated in the PRESCREEN &  OPT OUT NOTICE. This is because the credit offer I received has my name reversed ( e.g. XXXX XXXX instead of XXXX XXXX ) and I am worried that if I supply SSN, date of birth and the wrong name ( so as to match their database ) I might be committing perjury. If OTOH I report my name correctly, then maybe my record won't match in their database and they won't remove me. 
The last credit card offer I received was from some company " XXXX XXXX '' XXXX XXXX XXXX, XXXX DE XXXX. 
Please, I want all possible permutations of my name and surname permanently removed from receiving credit card offers, insurance offers or any other similar marketing material from this company or any other similar company. If I can't do it permanently then please for as long as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: FL

Complaint narrative:
On or around XX/XX/2019 I disputed inquiries that were on my credit file without a permissible purpose with TransUnion via Certifies U.S. mail. TransUnion received my dispute as confirmed by the enclosed Return Receipt. TransUnion failed to investigate and/or deleted the unauthorized inquires and instead provided an explanation of the inquiries.

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 2019-10-21 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: OR

Complaint narrative:
On XX/XX/XXXX I consolidated my student loans valued at {$29000.00} with MyFedLoans for the purpose of being able to use the PLSF forgivness available to XXXX. I called in XX/XX/XXXXto my lender at the time about the program. I spoke to them multiple times. They always said, keep making payments, you are 'all good '. In XX/XX/XXXX I figured out that 'it was not all good ' and that NONE of the payments I was making would 'count ' toward the 120 payments needed for forgiveness. I was told by MyFedLoans that I was lied to by my previous lender, and that I would have to give up my low interest rate, consolidate with them, get a higher interest rate and continue making payments on a qualified plan. I was making payments around the {$250.00} range, my payment went down to {$210.00} with MyFedLoans. Even though my old payments were higher, they did not count as part of my 120  payments under PLSF because they were not to MyFedLoans. I have now paid since XX/XX/XXXXand I owe more now than I owed when I first consolidated with you. I chose to leave XXXX because I can not handle the mental stress. Even though I XXXX 10 years and made 12 years of payments, because I was lied to, misled, and mismanaged, I will never be able to get forgiveness under this program. My current number of qualifying payments are gone from my dashboard on MyFedLoans. My qualifying years of service forms from my employer were rejected many times with me having to submit multiple times? Myfedloans said the 'dates looked altered ' 'signature looked altered '. I had to have my XXXX fill them out multiple times every year and they are still not on the dashboard!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Our office notified Capital One that XXXX XXXX passed away and that we were acting as his representative. We advised Capital One that we would notify them if an estate opened. 

After receiving our notification, Capital One began sending letters to the former business of the decedent stating, " We're trying to find the person who has the authority to pay the outstanding bills of XXXX XXXX XXXX out XXXX XXXX XXXX XXXX 's estate. '' Since we wrote to Capital One providing them with an address to communicate about the debts of the decedent, there was no proper reason for them to contact the former employment address. Capital One was provided with an address to send any questions or correspondence.

Company response to consumer: Closed with explanation