vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have tried to resolve this with PayPal/Synchrony bank on multiple occasions. They are not working with me. I purchased a plane ticket through XXXX XXXX during the pandemic and it ended up getting cancelled after getting rescheduled multiple times due to COVID reasons. The merchant verified that they sent the money back to the credit card company ( PayPal/Synchrony ). However, after repeated attempts, PayPal/Synchrony refuses to give me my money back. PLEASE HELP!

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 2021-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient student loans calls me 3 and 4 times a day after being asked not to call. I made payment arrangements for XX/XX/XXXX for the XXXX pmt. They have called at least 2 times a day XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX- I work for a mortgage company and I know they are in violation of the Fair debt collections laws, FDCPA, and CFPB laws. I see where they were fined in XXXX they need to be investigated again, the customer service reps are rude and threating with statements like we can call you up to 8 times a day, you don't have an arrangement until you set up a post dated check. If you pay your bill on time we will not call you. I am due for the XXXX payment. Please investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian shows my FICO score went down 30 points. I don't have anything on my credit, but an account that I paid off. Experian is showing some account in red, but when I click to see where the red account is from, nothing shows 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 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: SC

Complaint narrative:
I purchased my home XX/XX/XXXX. My payments are XXXX each month. The first week of XX/XX/XXXX I was informed by letter that my mortgage payments will increase from XXXX to XXXX beginning XX/XX/XXXX. I called to find information as to why the increase. No one could answer the question. All I could get was my escrow account did not have enough money to pay. They could not tell me why. I was sent to lost mitigation department to start the process. I was sent a packet to fill out. 
In the meantime I had to find out why. I learned that my taxes for XXXX was paid for the entire year and my insurance was also paid for the entire year. I contacted XXXX County in XXXX south carolina. I was informed that I was due a refund of XXXX because of the 2 % reduction of taxes. I called calcon and they didn't have any of the information, and was not willing to work with me. I again contacted XXXX XXXX to track down the issue. The check was sent to calcon on XX/XX/XXXX. I contacted calcon with the information and one office didn't have and I was referred to another office and they had just received the check on XX/XX/XXXX. I was told to give them a couple days and it should be processed. On XX/XX/XXXX I called to inquire and I was told that they had not processed the check and to give them a couple more days. I also inquired about the tax and insurance being paid out for the entire year of XXXX. She said that a analysis would have to be done. I requested that it be done because the error was on their part and they needed to correct it. It has been a week and still nothing has been done. Another payment is due XX/XX/XXXX. I had to borrow the money for my payment of XXXX, but I don't have the funds for the XXXX payment. After I did the math ... I don't owe anything extra. They have drug their feet for almost 2 months. How can I get them to correct this issue that they created.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IA

Complaint narrative:
Paypal pre paid credit card i lost it and had only my handwritten notes on card numbers and i homeless and i could not get them to send me a replacement card even if i paid them for it.i even purchased a another card from same store and same card as previously purchase and they refuse to transfer my life savings at the time was the {$670.00} they had and was all i had and i was sent to prison and that was 5 years ago and they won't even try to help me. Lots of people have story like me they pray on the very poor people and they don't have anyone who cares about hurting and sometimes inadvertently causing people to die in some cases I don't have the old card number anymore because of how long this has taken but I did get another card from them with same information to try and resolve this they take your social security number both times they can not tell me they can't find that they don't want to I gave you my new card number that's what I supplied you with please help 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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: FL

Complaint narrative:
I have send several letter to Grant & Weber Inc to verify the debt they claim I owe. Also wanted to know original amount and date of the debt. Please see attached letter send to them with attached copy of return received. They never send me any information that proof I owe the debt. So the last time I send a letter I decided to send it certified. My letter was received on XXXX and sign by 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 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
We were trying to purchase a Westie pup and transferred {$700.00} through XXXX to the following account/transaction info : Contact Method : XXXX Processed : XX/XX/2021 Payment ID : XXXX This was transferred out of my Fifth Third Bank account. I figured out it was a scam when an email came from the shipper ( XXXX ) saying I needed {$1100.00} in pet insurance ( payable by XXXX of course ). This email was very fishy and the alarm bells started ringing ( I wish they had rung earlier ). 

After I figured out it was a scam I tried to get my money back and of course through the scammer email address and they disappeared with my money and there is no recourse through XXXX. The banks have really set up a pretty bad system with this platform. Scammers are having a field day on it. I should have know better but their social engineering skills were strong and my kids were jumping up and down in front of me wanting a puppy. Now we are both disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
A new acct showed up on my credit report from XXXX XXXX, the Army Airforce Exchange service. I am not eligible for an acct from them as I am not a retired veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, XXXX XXXX XXXX, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted AAES directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from XXXX they intend filing wage garnishment against 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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: NC

Complaint narrative:
Elevate Recoveries, Removed this medical collections off my XXXX ( only ) credit report on XX/XX/2021 and then put the collections right back on my XXXX ( only ) credit report on XX/XX/2021. 

I have sent several letters to this collection agencies to verify this debt belongs to me and they have failed to respond to any of my letters proving the debt. 

Under HIPPA laws they have failed to prove that this debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have a collection from XXXX XXXX XXXX for 1 month of coverage after I cancelled my policy with them changed insurance companies. I called them and cancelled my policy and forwarded them my new insurance information all before my due date for the month in question and they billed me regardless and have been reporting a collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: OH

Complaint narrative:
My credit reports from XX/XX/2020 thru XX/XX/2020 showed a balance from XXXX XXXX of {$2900.00}. This account is very old and has been closed for many years. I look forward to it falling off my report due to age within the next 19 months. However, the creditor has committed fraud and is reporting a fraudulent balance in XX/XX/2020. My credit report is now showing a balance of {$4300.00}. Unfortunately, the creditor is not able to verify the balance and report it correctly. I've contacted the creditor many times for the past 2 years. For your reference, see attached letter from XXXX XXXX. This document shows that the creditor recorded a balance of {$2900.00}. This document conflicts with the information reported by XXXX XXXX to your credit bureau.

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 2021-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I entered into the Forebearance program with Wells Fargo ( WF ) and missed two payments, XXXX and XX/XX/XXXX. I was told by WF to continue payments when possible so I began making payments with the XX/XX/XXXX due date. On XX/XX/XXXX, XXXX had me sign a Loan Modification which moved my two missed payments to the end of the loan and gave me the new terms of the loan with first payment due XX/XX/XXXX. I continued making original loan payments. 

After a month of no update to my loan profile on Wells Fargo online, I contacted WF and they said it takes time to process and my profile should update soon with the new terms. My profile said I was overdue on payments and had an outstanding overdue balance. I continued to contact WF weekly and they promised it would update soon. And I continued to make full original loan payments on time. 

Then WF contacted me in early XXXX and said I no longer qualify to the new loan modification since I continued making payments. They advised me GNMA requires 90 day deferred payments and I only had 60 day deferred payments. They said I need to miss one more payment to qualify and I should miss XXXX payment to qualify. I missed the XXXX payment as advised. 

I was then contacted this week, XX/XX/XXXX, and told I do not qualify for the loan modification I signed in XX/XX/XXXX because GNMA is not offering it any longer. They said I must enter into a new loan modification and will need to make 3 more consecutive payments to qualify. 

I have called WF numerous times to complain and explain my situation over and over but most times the representative on the phone transfers me and/or does not know how to help. 

What can I do now?

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 2021-04-15 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: FL

Complaint narrative:
To whom it may concern : My Federal student loan originated in XXXX with Cornerstone Educational services. In XXXX of XXXX the loan was transferred to Fedloans. I have been pre paying the loan when I can but my payment history did NOT transfer with the loan and now Fedloans shows the entire origination balance of my loan. The federal Student Aid documents are also showing my original balance. I have contacted all parties and have proof of contact. I also have all my payment documents as I used direct drafts from our bank. I have not received a responded nor has either service provider helped. Cornerstone Educational Service seems to be shuttered.

To date, the loan shows the original amount due of {$21.00}, XXXX. Rather it should be {$15000.00}, due to the payments made in the amounts and dates as follows : Payments Date {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The Bank would not let me open an Account and did not give me a reason why it could not be opened. I checked my XXXX account and I do not have anything on my report that will cause me not to be able to open an Account. This happened at Branch XXXX by Banker XXXX on XX/XX/2021.

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 2021-04-15 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: Paypal Holdings, Inc

Complaint narrative:
Paypal Issued me 2 temporary limitations on my account, after getting all my valid information they Permanently banned me from using their services and refused to let go of my funds. 

On XX/XX/XXXX, XXXX Paypal lssued me A " temporary Account limitation because I received money from a family. They asked me for my personal information, which I provided with all my valid info and so, they promised me to Restore my account so I can withdraw my Balance. Two days after, they sent me another " temporary account limitation '' that required me to send a Valid ID. I sent My ID from the XXXX XXXX and they accepted it. On XX/XX/XXXX XXXX, they sent me an Email that says my account is " Permanently Limited '' which I don't deserve since I did not violate anything and was simply receiving my money. On the same day at XXXX, they sent me another email saying my " Account is partially restored '' but when l checked it on my PayPal account, IT IS STILL PERMANENTLY LIMITED. I have a balance of XXXX. XXXX on my account which is needed to purchase an equipment for my XXXX XXXX, however, this PayPal is prohibiting me to withdraw or transfer my money. 

I messaged them countless times on XXXX, XXXX and XXXX but they only responded with unethical reasons and fake promises to restore my account. After banning me from using PayPal, they stopped responding to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: RI

Complaint narrative:
I received a notice from another credit card company this morning who gets their information from XXXX and the alert was that my credit card with First National Bank of Omaha was closed due to inactivity. First of all, the company has not issued me a letter stating they closed my credit card on me, secondly, I have been a customer of theirs since 2016 and have never missed a payment or have been late. Third, I called the company and I was advised that theres nothing they can do that I would have to reapply. Lastly, I was saving this credit card to use on an upcoming trip. In the meantime, I was trying to pay down the balance. Apparently in the United States credit card companies dont want you to use cash. They want you to use credit cards with high interest rates or else you get penalized like in this situation.

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 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Paid off vehicle in XX/XX/2020 expecting the title lein to be released with Florida. CAlled in XXXX and Citibank was sending to their " third party '' team to release lien. I received a un notarized letter from Citibank that I took to DMV, DMV FL rejected saying it was not sufficient. I called back again in late XXXX and they again sent to 3rd party team that sent another letter 7 days later with a notary and seal. I went back to DMV escalated after initial rejection and DMV FL said they need to release it with the state through their 3rd party. Called back again worked with rep for 1 hour told to call back after a day and verify. Called next day was hung up on by the first rep after 30min hold, called back and escalated the issue to a supervisor. Supervisor said it's with 3rd party team again and nothing they could do or call the team. Citibank continues to push and ignore my request acknowledging I paid it off last year. I am unable to sell or transfer the title holding my funds hostage and depreciation of vehical as I wait. 

DO not finance with Citibank

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 2021-04-15 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: AL

Complaint narrative:
XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX 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
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Bank would not let me open an Account and did not give me a reason why it could not be opened. I checked my XXXX  account and I do not have anything on my report that will cause me not to be able to open an Account. This happened on XX/XX/2021 by XXXX XXXX the branch on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation