vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
( 1 ) Is SallieMae Education leads us logo a register logo of SallieMae Mae Bank? 
( 2 ) SLM Education Loan Corp is registered to SallieMae Bank correct? 
( 3 ) The FFLEP Application and Promissory Note Consolidation dated XX/XX/XXXX has no Lender Website written. ( 4 ) So the Promissory Note was not sent to SallieMae electronically? The Promissory Note is Read Only and can become typed in only in the Lender Website? The WEB means you can only print the document from the WEB and mail in only. SallieMae has showed no evidence that the Note was sent electronically. SallieMae has only showed the document was printed from the company. There has been several articles and cases were SallieMae/Navient typed fake Promissory Notes. Navient you have given no documentation that the Promissory Note was sent electronically. The Higher Education Act requires the lender to keep an electronic record by establishing a third party to verify the signatures like XXXX  etc.? The Lender also have to keep record of the student PIN number and secret ID? Navient you have not produced any? The Higher Education Act requires all Promissory Notes to be done in the Lender Website? The website would be displayed in the upper right hand corner so the document would be able to write in a secure manner and the third party signature app. Navient I see none. You can XXXX the form XXXX NO XXXX Exp date XX/XX/XXXX ) ) and print the same form but you can not type in it? Only the lender website can make it type in and their is no lender address on the Promissory Note? That is one way makes your Promissory Note a Fake. The Higher Act requires the Lender addresses? Navient produce the signature verification app?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I tried contacting my bank about a pending transaction in the amount of {$480.00}. I was told that if I got an email with the amount last four digits of the card used and my name that they would be able to release the fund. I did all that and the supervisor told me that there was nothing he could do. Also this bank double charged me for an order and refused to refund me. I would like them shut down plz. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX ( {$2300.00} ) and XXXX ( {$180.00} ). The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXXXXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TX

Complaint narrative:
I have contacted Trans Union about the XXXX XXXX XXXX not being my account. I was asked to send proof of residency, utility bill, and identification to XXXX XXXX to validate the information is incorrect. I have not lived at the address that they are claiming that belongs to me. I would like for this information to be corrected. I will be seeking legal help as well. I have lived at the current resident for a couple of years.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank is slowing the Mortgage Payment process down from the date a payment is made through Their online payment process by generating a paper check from My account and mailing the paper check to a Chase mortgage loan processing center. This can take over 8 days to send and receive the check. This allows Chase to generate additional interest credit against the mortgage. In my case, the process of generating a check, mailing and crediting the mortgage is taking 4 or more days and costing me an additional {$27.00} or more per day in additional interest. Along with this, Chase is deducting the amount of My payment immediately at time of payment online and floating the money until the processing center clears the check. Double dipping on Customers money. 

The compounding effect of this scheme is in the Trillions of dollars when applied Nationally to all Their mortgage account holders. Me personally, I will incur up to {$18000.00} in additional interest against My mortgage payments alone base on the current method of debits, checks, mailing and credit to My mortgage. 

We all know how fast the electronic banking system works. Chase can easily change Their computer system to apply debits and credits instantly. But, Chase has apparently found a way to generated additional interest generating methods that look legitimate on the surface. This scheme is underhanded and taking advantage those that have not paid attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the transunion credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.

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 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I submitted a complaint previously but was the wrong ARS. I was able to track this one down. 

THey refuse to stop contacting me. I told them i was going to report them here and they called me about that. THey keep telling me to get an attorney, telling me they have my social security number. This company threatens with texts. I had to block them they wouldn't stop calling and I have blocked messages from them in my box still with the same threats. I've had enough. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i been on phone with them and they keep put me on hold and give me hard time i try to apply for a card and they deny me b/c of that fruad account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I've submitted paperwork TWICE to the mitigation department and have not gotten any response. I have applied for a loan modification over 30 days ago. 

When I call, they give you the runaround. The lender is supposed to be helping people with government backed mortgages and is not operating in good faith.

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Venmo locked my account on Tuesday, XX/XX/XXXX, on suspected fraud ; the account remains locked at 7 attempts to rectify the situation through online support, submitting documents ( driver 's license, etc. ) I am unable to transfer the {$390.00} in my account to pay bills. I counted on this money to pay off charges due. 

The automated system would send a code to unlock my account, however, it was delayed at times by more than 5 hours - the code had expired by the time it arrived via email. 

This highlights the larger problem : the company does not have a phone number for live technical support, review fraud, and activate accounts. The company is unresponsive via live chat. 
My Venmo account is : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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.
State: CA

Complaint narrative:
I have an account with coinbase since XXXX and I invested more than 10k on crepto currency. Around XX/XX/XXXX I couldn't access to my account at all I did everything to contact coinbase customer service and fellow all instructions on their website like help! But with no results or help. I have no choice but make complaint with cfpb and other agency include SEC or probably get my own lawyer. I work in XXXX XXXX where their offices located but all lies I visited one by one and was closed even before pandemic this company is ghost company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I had a prepaid service plan with XXXX. When I cancelled my plan, I received a notice from a debt collector ( never from XXXX ) indicating that I owed {$93.00} on my account. I asked Amsher debt collection to provide an itemized bill showing me how it's possible I could owe money on a prepaid account, and they never provided me with documentation. This debt collection was removed from my XXXX credit report for lack of evidence, but when I requested for XXXX to correct this wrongful debt collection, the response was automated in such a way as to not allow for me to explain the circumstances, and not only was the derogatory remark NOT removed, but Amsher debt collection then updated the derogatory remark to show that I did not pay the wrongful debt in XXXX rather than the initial wrongful debt collection which was back in about XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
account was open do to identity theft i flied a identity theft report with the county police

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 2021-02-06 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:
The information described in the report does not belong to me and is inaccurate. 

The credit bureaus failed to comply with the 30 day statue of limitations. 

Please remove all inaccurate and wrong information.

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 2021-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My name is XXXX XXXX and I own a XXXX that XXXX XXXX XXXXXXXX XXXX XXXX XXXX which include a fully automated robot. This software is available on XXXX XXXX 

For 8 years I have maintained an account with PayPal and run all XXXX XXXX  through them, including but not limited to invoicing, collecting payments, paying XXXX XXXX, XXXX, XXXX XXXX  etc. In addition I pay myself as needed to pay my personal expenses. 

On Friday XX/XX/2021 I was notified by PayPal via email that my account was being closed and all funds were going to be held for 180 days. There is over {$240000.00} in that account. My life savings. 

The email was generic which claimed that I have breeched their policy and the email claimed fraud. This is a general email.

I appealed the decision and within 1 hour was denied. 

PayPal has given no reason, not allowed me to speak with the person ( s ) liable for the decision in this matter and will offer me no opportunity to defend myself or the allegations. 

I have been denied due process and as all my savings were in PayPal I will be unable to meet bot business and personal expenses which include my mortgage, car payments groceries and life and health insurance! This during a pandemic! 

PayPal has no regard for the inaccuracy of their action, has denied me even the ability to respond to an open complaint from PRIOR to closing my account and is acting in a manner that should be illegal. 

In fact, PayPal has lost several class action law suits based on this behavior and clearly feels that it is in their best interest to continue to harm the " little '' guy. 

I need my money. I am XXXX and can not afford to have my life insurance or health insurance lapse. 

Please help. 


Kind Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: IL

Complaint narrative:
I bought the car on XX/XX/XXXX, the check engine light comes on and its in the shop on XX/XX/XXXX. The car auto stops in mid traffic. I take it to service on XX/XX/XXXX, they say nothing is wrong. I get in an accident on XX/XX/XXXX from the car stopping on me. I take it for service in XXXX, they still claimed nothing was wrong. I take it drive it the auto stop doesn't even come on anymore, as if the car has been tampered with. On XXXX XXXX, XXXX that car sporadically shut down due to an autostop while Im driving in traffic, they repossessed it from non-payment XX/XX/XXXX, I am on XXXX leave from the accident and they don't care which means Im just out here. I need the car for therapy appointments but they also need a new engine on it. They also took all my ids, cards, car seats and parking stickers for my school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: FL

Complaint narrative:
It has now been 148 days attempting to refinance my mortgage with XXXX I have been dealing with XXXX XXXX ( nmls id # XXXX ) since the beginning of this process and he has been helpful up until 3days ago when I informed him I would be filing complaints. At which point he informed me that would not help motivate people to close my loan and woukd serve no purpose. XXXX XXXX, whoever that is, was recenbtly also supposedly working on this loan along with the lead underwriter XXXX. It is simply impossible to get anyone to answer a phone or communicate with anyone other than the broker I started with. The underwriter supposedly is asking for some ridiculous items to close my loan but I have not received a definitive answer as to exactly what is needed nor any direct way to communicate with underwriter. I am now forced almost 5 months later to go with another lender after already paying for a home inspection which has now expired. This is completely unprofessional and theft. I hope this company is banned from writing loans in the future and these people are held responsible for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: GA

Complaint narrative:
I recently sent letters to all 3 credit bureaus on XX/XX/XXXX regarding inaccurate and unknown information on my credit report. I began sending letters to these companies back in XX/XX/XXXX and it's been 85 days with no resolution from them. Again, I feel like my disputes are being ignored and I'm still being taken advantage of. Based on the FDCPA, 15 U.S.C. 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted because I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion, XXXX  and XXXX Credit Files 1. XXXXXXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  Transunion and XXXX Credit Files 4. XXXX 5. XXXX XXXX XXXX  and XXXX Credit Files 6. XXXX XXXXXXXX XXXX 7. XXXX XXXX XXXX Credit File 8. XXXX XXXX XXXX XXXX  Credit File 9. U S DEPARTMENT OF EDU XXXX Transunion Credit File 10. XXXX XXXX XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about 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 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
i have a car loan with usaa my name is XXXX XXXX ss XXXX and its also under XXXX XXXX XXXX i was in the hospital in XXXX in XX/XX/XXXX so i was 48 days late making my car payment i stayed in touch with them and let them know that my husbanded the bread winner is in hospital i have no power of attorney over his affairs till now they told me as soon as i got out if i ought up with all my payments they would remove the late payment for XX/XX/XXXX since then i have not only made XXXX payment im all caught up i have it set on auto pay to pay my car note I'm sorry as you can see my husbands report XXXX XXXX XXXX dob XX/XX/XXXX that he has never missed a payment with any card and or account this is the first and last time and its due to crono virus however it is still showing as 30 days late for XX/XX/XXXX and im mall caught up they promised me it would me removed now they are saying take it up with credit agencies all 3 of them they lied to me anyways i just want thhe latye payment taken off my car loan account with usaa for XXXX thank you im all caught up on payments i have a dr note stating i was in quarantine in XXXX of XXXX i held my part of the deal now they should keep there end of the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Netspend Corporation
State: TX

Complaint narrative:
I have filed a dispute with PayPal and they will not return my money my dad XXXX XXXX has stolen {$9200.00} from my account I have not authorized him to use my pin or card he has done it in the month of XXXX to the month of XXXX I had no idea he was using my card I thought the temporary card I had was the permanent one and was trying to save my benefits from XXXX onto it and when I went to use my card I find out that is a temporary card and has expired and he had done ordered another one and had been using it and withdrawn all of my benefits off of it when I filed a dispute with PayPal they told me that they can not refund my money to me because I he had my pen and information to it but I didn't let him use my card he only had my PIN because he helped me set up my account but I did not authorize anyone to use my card

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