vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was alerted of a fraudulent charge to my chase credit card for some playstation gaming thing. I don't have play station I don't have any games and my kids don't either. I immediately disputed the charge and advised chase of this and told them to block the merchant. Upon researching the account it was a fake email that was created address etc. 

I wanted the charges to be refunded to my card and not be held liable for the charges or the interest that was accrued. 

Chase blocked but did not refund me the charges I want the charges to be refunded back to my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
have had Experian credit monitoring services for more than 15 years. Begginning about XXXX of 2018 I could no longer log on to my account. Have followed all protocol on Experian site to correct problem with no success. Have called - can not get to a person - only ends in dead end. Have emailed and have written letters to their XXXX   Customer Care address. No response going back as far as XXXX of 2018 ( earliest email ) and as recent as yesterday ( last email ) and 4 letters in between. Sent another letter today with cc to CFPB - XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My family ( XXXX  travelers ) traveled from Washington, DC to XXXX on XX/XX/2017 and all our bags were lost in that flight. We received the bags days later and some items were missing from the bags. We filed a claim with XXXX XXXX and XXXX XXXX carrier of last flight ). We also called American Express on XX/XX/2017 and the representative indicated that expenses incurred because of delayed bags were covered by our travel insurance with the credit card that we used to purchase airline tickets. We opened a claim with American Express ( number XXXX ) and to our surprise it was closed unilaterally by American Express months later. We have been calling and writing to the XXXX repeatedly and American Express as well. The XXXX are not responsive and American Express is asking for an airlines letter rejecting coverage before proceeding with the claim. I find my situation helplessness as I am submitting this complaint against American Express for failure to provide travel insurance coverage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was transferred from XXXX to Nationstar/Mr. Cooper effective XX/XX/2018. At the time of the transfer, XXXX was processing three insurance claim checks totaling {$26000.00}. The checks were for water damage repairs sustained at my house on XX/XX/2018. I had provided XXXX with all documentation necessary to release the funds to me, but the checks were not processed in time prior to the transfer ( it was still within XXXX 's 3-5 business day processing window ). 

Since the transfer of my mortgage on XX/XX/XXXX ( nearly two months ago ), Nationstar has failed to release these funds to me. Both my contractor and I have called Nationstar over a dozen times in the last two months to determine why the funds have not been released and we keep receiving different answers. We have been told numerous times that they have all documentation necessary to release the funds, but only to be told more documentation is necessary. Most recently, I was told on Monday, XX/XX/XXXX they needed a signed contract from me and my contractor, although they already had the signed contract on file. Nationstar also confirmed at that time that no further documentation was necessary. Today, XX/XX/XXXX, Nationstar has now informed they need another XXXX provided by my contractor even though they acknowledge they already have a signed copy of the XXXX in their files. The endless requests for documentation ( which they already have ) have caused numerous delays in receiving these funds. Nationstar 's refusal or gross negligence in handling this claim is causing my contractor to be unable to pay his own bills and payroll and to threaten legal action against me for nonpayment. 

In conjunction with the handling of my insurance claim, Nationstar has mishandled both of my mortgage payments in the first two months they have held the loan. As of XX/XX/2018, my account is showing past due even though I have provided full payment for each month timely. They have explained to me the error was caused by applying the funds as additional principal instead of to interest and principal. Please note that I had set up and authorized these payments pursuant to Nationstar 's own autopayment procedures. 

( Based on the information stated on the CFPB 's website, I do not want to attach any of my documentation through this portal at this time. Nationstar has records of everything pertaining to my file as is. I will be happy to provide loan and claim numbers upon their request directly. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was defrauded out of {$2600.00} because I made a decision to complete a purchase as part of a work assignment based on the information that my bank provided to me. Specifically, I made a deposit at my branch and asked how long it would take to for the funds to clear my account so that i would know the funds were good and available for use. I was told 24 to 48 hours, which I have later discovered is not accurate. When the funds became available in my account, I again verified with the bank if the funds were good and they confirmed that they were. I then used those funds to complete my assignment, which was to purchase goods at a store. I would have NEVER completed my assignment and made a purchase had I understood that the funds which were made " available '' in my account were NOT actually cleared.

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 2018-10-30 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: DISCOVER BANK
State: CA

Complaint narrative:
I put a downpayment of {$2300.00} using my Discover card on XX/XX/XXXX, to an online education through XXXX XXXX XXXX XXXX.and to be scheduled to attend training event due to commence this year XXXX and the future which was canceled due to the FTC shut down. XXXX  which is a global internet company and I started receiving ongoing business training nearly every week and including monthly newsletters about how to grow your business and achieve customer acquisitions in XX/XX/XXXX. I tried to contact XXXX  after I learned that they were shut down by FTC but no luck, I contacted Discover to dispute my payment due to XXXX can not deliver anymore & all the basic learning are useless since XXXX is out of business. Discover stated that unfortunately, they can not help me with the dispute and suggested to find other resolution outside their company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30 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: Westlake Services, LLC
State: OH

Complaint narrative:
I have had the Loan with XXXX XXXX XXXX of the car i purchased in XXXX of 2018. I have been paying {$350.00} in the XXXX of every month till XXXX when without notice all our Contracts were sold to another company. Not one time did they report any of the payments on the account. I was told it would be 30 days since the opening of the car loan. That didn't happen, contacted the company at the end of XXXX to address issue and was hung up on multiple times. Asked to speak to manager and it didn't make a difference. After no notice of the change in company I was told by new finance company that XXXX XXXX has not reported any payments since XXXX of 2018. When i contacted Westlake Portfolio Management LLC in XXXX i was told that it would see it the first week of XXXX for it to report. Spoke to someone in the company beginning of XXXX that reports to the credit and she stated that i should see it in the next 5-7 days. I waited till XX/XX/XXXX when it was still not reported to my credit still and was told it would be escalated to a manager. Still heard nothing regarding this from Westlake about this issue. I spoke with them today and got two different stories from an employee and a manger that went from 30 days to 60 days and that its a transfer loan so its going to take much longer to report. They didn't give me a definite answer on whether or not it has been reported and filed, I keep being told you will should see it next month, and its not on my credit report. Its difficult because I keep being told you will see it next month and nothing is being reported and how are you supposed to rebuild your credit when you are making your payment of {$350.00} every month from XXXX till current month being XXXX and its not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, On Saturday, XX/XX/XXXX, approximately XXXX XXXX   Central Standard Time, I visited the Capital One branch located at XXXX XXXX XXXX, XXXX, TX XXXX. Due to technical issues, the branch employees were unable to pull my account information for an auto loan payoff transaction. One of the bankers was out in the main lobby with her laptop attempting to verify customer information and proceeded to ask for my personal information to assist. She asked me to verify my last name, address, and social security number out loud. I proceeded to verify verbally in a hushed tone, however, she loudly repeated my responses of my personal information to verify accuracy while there were other people in the vicinity and including the person that was with me buying my vehicle by paying off my auto loan. This is a clear and blatant breach of my privacy and my personal information. The person with me buying my vehicle heard her clearly and could easily recall my personal details after the fact. This banker completely disregarded and violated my privacy while being aware that we were in the middle of a busy lobby with people only a few feet away from each other that could listen in on her repeating my personal information out loud. Not only is this unprofessional behavior, it is unethical and illegal. 

1. I want to know if bankers conducting verification of customers personal information by repeating this information out loud is standard procedure at Capital One. 
2. What remedies are available to me now that my personal information has been compromised by Capital One? 
3. What actions will Capital One take to mitigate this failure to protect my privacy and undoubtedly the privacy of other customers? 

Additionally, based on the response by Capital One, I will consider legal remedies to my loss of privacy due to the negligence exhibited by this capital one employee. I also feel that the local public needs to be aware of these practices as they are risking their private personal information by conducting business at this branch with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX XXXX Account # : XXXX To Whom It May Concern : This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing : XXXX XXXX XXXX XXXX Account # : XXXX I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence. 

Sincerely,

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 2018-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
There is an issue every time I have to deal with these loans. I am not the borrower, I am the cosigner for the loans. Just today I was told that the loans show paid in full in their system by the first person I talked to and then the second person told me that the information I had just received was incorrect. I have had these issues for years. In total I have paid XXXX toward the loans. The original amount borrowed was XXXX they now say that I owe over 90000.00. There is atleast 1 payment that was never applied to the loans and a bunch of payments that were misapplied. Mainly they just apply the full amount to one loan and nothing to the other loans and continue to charge excessive fees and call to let me know that the payments are delinquent even though they were being automatically withdrawn monthly. Anytime I call to address any problems it takes hours of time and several people that aren't able to handle the problems. In order to be able to identify their processing issues I had to hire and pay an accountant because their records are completely user unfriendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have contacted Navient my student loan server beginning XX/XX/XXXX regarding my student loan debt. I continue to get the same response of high interest and lack of non payment. I informed Navient that I was a public service employee since XXXX and have not received any loan forgiveness or loan reduction. I request loan information from the school and the Department of Education. It does not show how my loans have matriculated to more than XXXX. I believe that Navient formerly Sallie Mae steered me towards multiple forbearances and deferment due to my low income and provided unclear information about how forbearances and deferment would affect your student loan debt over a period of time. They were misleading to incur additional dollars from interests from student loans. I also I indicated I sent in several public service applications and up until last year I was advised to contact the department of Education to again consolidate loans. It is a game of catch up by Navient in advising the borrower to consolidate loans to start the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Company keeps calling my place of employment after being told several times to stop calling.

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 2018-10-30 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
State: OK

Complaint narrative:
I had money sent to me from a friend. Paypal wouldn't let me withdraw it. Their reps told me to transfer it to another account I had and so I did a partial of it then they put a hold on that account as well then I transferred money to my dads account and they put a hold on that account. They told me they closed my account an I would have to wait 6 months in order for me to get the money. 

On XX/XX/2018, I was sent a total of {$11000.00} into XXXX account. I then was unable to withdraw funds they had me send in Photo ID, took my social security number as well as a utility bill. I was told to send money to my other account which I did and was able to only withdraw {$200.00}. There was also a past due account with Paypal for {$520.00} which I paid with these funds. Currently There is {$900.00} in XXXX account, there is {$5000.00} in XXXX account which is my dads account I tried to request the money back but paypal denied the request and wouldn't let my dad send the money back to me either, I also have {$5000.00} in XXXX account. 

So Paypal is holding {$10000.00} that belongs to me. The person that sent me the money called paypal and was advised they couldn't do anything to help release the money even though the money was already in their paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have a VA mortgage that I started in XX/XX/2005. When Wells Fargo took over the mortgage they added an additional 10 years onto our 30 year mortgage without approval or explanation. They say everything is legit but the real big question is why has our home loan not gone down since we have been paying on it for almost 13 years now? Question two ... ... why would we restructure our mortgage for the same payment every month at a longer limit without trying to get money out of it for home expenses? Why ... .I will tell you why ... .WELLS FARGO is a fraud and liar to its consumers and they do nothing but cheat honest Americans!

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 2018-10-30 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have gotten daily calls for weeks from XXXX XXXX XXXX ( # XXXX ).  I have no credit account with them. They can not locate my name or phone number on any of their accounts. They say they have no records for me and have no idea why they have my number. I have asked them 7x now to stop calling me. Three reps said they can not remove my number from their call list. The last 3 reps I spoke with say they will remove my number, but the calls continue. I may have to file a police report for telephone harassment, as a last resort. I have filed a complaint with the Federal Do Not Call Registry, but the calls will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.

Complaint narrative:
XXXX XXXX transferred my mortgage to Mr Cooper. After the transfer there were two payments that XXXX XXXX did not send to MR Cooper. They kept the payments for three months and later sent them back to me. Mr Cooper is charging me late fees and reporting me to credit bureaus. They are being really difficult and refusing to remove the late chargers and refusing to fix the credit bureau reports. 
My loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WAKEFIELD & ASSOCIATES, INC.
State: WI

Complaint narrative:
XXXX XXXX, Team Leader of Wakefield & Associates, Employee # XXXX has continued to call and harass me and my family. This debt is from XX/XX/2013 and should have already been resolved and removed from them and my credit, as I am have been employed with same company for 15 years and held valid health insurance the whole time. The rest of this debt was paid already by insurance, this is the outstanding. This debt is not mine, as it was to be paid by employer provided health insurance. I have advised them of this numerous times and they continue to call and harass. I asked them not to contact us until the health insurance does their portion to resolve this, yet they keep calling.

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