vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IA

Complaint narrative:
I am a XXXX XXXX XXXXr and have applied for PSLF. My verification of employment was approved on XX/XX/XXXX. I was told it would take up to 90 days to process and count the number of qualifying payments have already accrued. As of today XXXX, XXXX, XXXX, this has not been done. I have repeatedly emailed FedLoan to ask when this will be completed and they keep telling me it takes time. I would like this to be completed so I know how many payments I have left before I qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
Trouble reaching somebody at PayPal for the online account password recovery and reset and update information also there's a number on the back of a card which I can not reach a live person and I want to close this a card..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: MARINER FINANCE, LLC
State: MS

Complaint narrative:
I obtained a loan from XXXX XXXX several years ago who changed their name to Mariner Finance. I filed XXXX XXXX bankruptcy in early XXXX and the debt was included in the bankruptcy process. The total amount paid to them by the chapter XXXX trustee was {$1100.00}. My bankruptcy was successfully XXXX on XXXX and closed on XXXX. 
This company is showing a past due balance of {$2500.00} as of XX/XX/XXXX and negative accounts status. I filed a dispute with XXXX and received the following response : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So, Mariner ( a.k.a once XXXX XXXX XXXX is refusing to update the information and reporting inaccurate 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 2019-08-15 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On or about XX/XX/XXXX, my card was posted with the following fraudulent charges : XX/XX/XXXX XXXX Other Services ... XXXX {$370.00} XX/XX/XXXX XXXX Other ... XXXX {$83.00} XX/XX/XXXX XXXX Other Services ... XXXX {$25.00} CapitalOne handled this very well in detecting the above as fraud. Sent me a new card, so on and so forth. 

Today I found the following fraudulent charge - keep in mind this is on a new credit card number that I haven't actually used yet - there is no possible way for someone to have stolen this number, so CapitalOne had to be the one to give them the card number for the fraudulent charge : XX/XX/XXXX XXXX Other Services ... XXXX {$22.00} I reported it as fraud. No response from CapitalOne. I called their call center. I'm then greeted with a frustrating IVR system and a customer service rep who deliberately manufactured static on the line while ignoring me for two minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15 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: WI

Complaint narrative:
I have two PayPal mastercards accounts .. one is a PayPal cash card debit Mastercard card number XXXX XXXX and wanting is a PayPal prepaid Mastercard debit card card number XXXX I want them closed and I want a transaction history for both cards and I've been unsuccessful getting a hold of PayPal .

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 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
A service provider for a doctor tried to over bill me without authorization. I had stated in writing to my doctor that no third party service providers especially ones out of network were authorized to be used without prior approval. A company called XXXX XXXX XXXX  started billing me without any authorization. I spoke to them and disputed not only the fraudulent nature of the service and they they had no right to bill me since I was not notified nor approved their service as required in my agreement with my doctor 's office. After acknowledging the dispute they submitted it to collection company CMRE Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Yesterday on the XXXX of XX/XX/2019 I spoke to a customer service representative at the American Express serve customer care center at XXXX XXXX. 
this customer care representative looked up my account card number XXXX XXXX. 

I informed him that there was a fraudulent transaction yes it was declined but it was on it was it was it was in the email notifications that I got not linked to the transactions on the phone system or the online system I couldn't feel it but it wasn't I got an email notification. 
after I inform you of this I have asked him to can't close the card and issue a new one unfortunately said there was a fee I disagree with that that I should have to pay that fee because process the change of a new card because it wasn't my fraudulent charge so he put a temporary lock on the card so that that merchants couldn't try to use it again that does not satisfy what I want as an outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
This following matter is in regards to the company of Selip & Stylianou , LLP. 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told Mr. XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.

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 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Automatic Data Processing, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX have my employer taking {$350.00} from my paycheck totaling to the amount of {$1500.00}. I never received any documents in the mail and all of sudden the money has been garnished from my payroll. This is against the law. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
hello again, i put a claim in previously under Thank you for providing feedback! 

Thank you for providing feedback on the companys response to your complaint. Weve noted your feedback. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 and you sent me the response from the bank with a guy namedXXXX XXXXXXXX XXXX WHO wrote a very nice letter saying what they did for me, but it was all a lie, once i received the response i sent directly to that gentleman along with phh bank again EVERYTHING i have been sending them since this modification first began but you closed that complaint id and i dont get why??? it is not solved, they are going to take my home and i beleive if someone doesnt help me soon my XXXX husband will be living in the street, so i guess i have to refile a new claim since i did send all the paperwork again, and i have not heard from anyone on this matter.. 
please i can pay the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
This is a collection that has pained me for over 15 years way pass the statue of limitations I dont recognize this debt for the past 15 or so years I have been i have disputed this debt I get them off my credit they sell it to other creditors an get back on my credit and also change their names and code numbers this has been going on long enough its way past the statue of limitations I dont know what this debt is and I want the harassment to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This following matter is in regards to the company of XXXX XXXX XXXX XXXX XXXX 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told MrXXXX XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX I received a Three Credit Agency Report and noted a significantly lower score reported by Equifax ( XXXX ), than scores reported by XXXX ... ( XXXX ) and XXXX .... ( XXXX ). Studying the 3 reports I noted that Equifax reported inaccurate ( high ) balance information on a revolving charge ; and listed two addresses which I have never resided at nor used. 
On XXXX XX/XX/XXXX I sent a letter to Equifax addressing the discrepancies noted above. I included relevant facts and identity documents. 
On or about XXXX XX/XX/XXXX I received a reply from Equifax dated XX/XX/XXXX stating " We were unable to locate a credit file in our data base with the identification you provided. '' Well, the identification I provided is the same identification they use to develop my credit score. 
The additional requirements from Equifax are superfluous. They already have the data. Requiring me to send and/or resend additional Personal Identification items carries a significant risk of compromise of my personally identifiable information. The simple fix is for Equifax to update my records and purge the incorrect addresses based on the information already supplied to them by my banks and creditors. 
Prior corrections sent to Equifax in XXXX and XXXX were acted on to my satisfaction. I don't know what their problem is this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST FINANCIAL SERVICES, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I received a call from First Financial stating that I had a past collection from a company named XXXX of XXXX. They provided me with all of my personal information such as full name, date of birth address maiden name, etc and stated I could settle this balance for a payment of XXXX. They also included that I had an available open balanced credit card to put it on and that they would only be able to do it today so my credit score wasn't affected. I was in a panic because my husband and I were in the middle of purchasing our new home out of state so I paid the XXXX. 

Come XX/XX/2019 a different collections company called me stating the same exact thing.. 
I owed for a past XXXX account, I owe monies,,, etc I explained to them that I had already settled but had no documentation ( only cc statement ) and they proceded to get pushy saying it wasn't fulfilled with them, I need to pay today or it will affect my credit ... etc etc. I don't remember this company 's name ( papers are packed somewhere ) but I wasn't paying twice. So I tried to contact the company who called me first, First Financial and can not get anyone on the phone. Goes to a generic automated voicemail. 

Called XXXX XXXX XXXX and explained that I had a fraudulent charge ... I had to write a letter stating my concerns. They took the XXXX off my account due to fraudulent investigation. As on XX/XX/2019 my card company placed the XXXX back on my card with the explanation of they are satisfied with what First Financial provided. I can not get a hold of that company whatsoever and that is all my CC company is providing.. Now here I am filing a claim,,

Company response to consumer: Untimely response
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the victim of identity theft along with my wife through XX/XX/2019 and XX/XX/2019. I can not get a hold of a single person at this company. Someone has created a fake XXXX email address in XXXX and created an account at experian. I am trying to get it removed, get my account reset, and access my information and can not reach a live person AT ALL. Their online service just directs me to make a phone call and the automated service just directs me back to the website!!!! I have tried everyphone number I could find for this company including the client number. I can not get live help with this! These people are holding my information XXXX and have given it up to the wrong party. 

I attempted to go through traditional mail and received no response and I have multiple things I need to dispute! 
Someone has my AND my wife 's SS numbers, Address, Phone number, bank account information, credit card information. I need help ASAP. This is the only company of the 3 I can not get a hold of and this is the one that is compromised with the fake accounts! 

I have also tried to called XXXX to have them report or delete the fake email accounts and they told me to contact Experian ... 
I have FTC reports, Police Reports, and credit reports from the other 2 bureaus.

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis has duplicate information on the report. 

They provided a scoring system to XXXX XXXX that intentionally makes customers look negative so that the rates can be raised. 

For example in my case the scoring model was XXXX,XXXX.and XXXX. I have been a customer of XXXX XXXX for 10 years. The only claim I had recently was due to a Natural Disaster, Hurricane Irma, which XXXX XXXX did not pay everything. 

I had to get SBA Loan to cover the difference which I am still paying. 

the criteria that LexisNexis provided was 1 ) XXXX  - Too Many Active accounts - this is ridiculous. They do not even look at your payment record. There are 68 accounts of which 42 are Active and the others are clsoed. Most have XXXX balances ( 7 % Credit Usage ) and the others are pd and closed with no late payments. 
2 ) XXXX - Bad Debt - there are duplicate accounts that were included in Bankruptcy Chapter XXXX and they refused to fix the erroneous data that were included in chapter XXXX back in XXXX did XX/XX/XXXX - It has been almost 5 years since the discharge and now 5 years after the bankruptcy they report bad info to insurance and insurance is raising rates negatively affecting me by {$2000.00}. 
3 ) XXXX  - Accounts open in 24 months - This is working towards rebuilding my credit after my illness and the insurance company based on the LexisNexis report raised my insurance almost all of these accounts have XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
XXXX, Credco fcra violation and XXXX for not looking at the obviously mistake dropping my score under the required min to get approved

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 2019-08-15 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: MA

Complaint narrative:
On my first complaint I told TransUnion to delete the accounts on my credit report that say included in bankruptcy because there is no bankruptcy on my credit report and now they want to do an investigation with the creditors. If the information on my credit report isnt 100 % accurate, why is Transunion breaking the law by keeping it on my credit report? On their response to my first complaint they said that accounts included in bankruptcy stay on the credit report for seven years and thats true but in my case there isnt a bankruptcy on my credit report so how can TransUnion violate what the FCRA says about a consumers credit report being 100 % accurate without any mistakes? I am so upset at the fact that this company is acting like they are above the FCRA and that they can report what ever information that they want even when the information is wrong.

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 2019-08-15 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: IN

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I lost my debit card and disputed four recent transactions but one of those transactions was my rent. A day later on XX/XX/XXXX I called to ask them to cancel the claim. They said they didnt reach out to the merchant supposedly. I thought everything was stopped before it went through. A week later around XX/XX/XXXX The property management said the transaction was reversed. I called the bank and the bank said that they will release the funds back so now were pushing on XX/XX/XXXX and the property management still havent received it and we was told visa reached out to them for information. The apartment isnt in my name my its in my wifes. Chase told me they will have to sign some papers to verify with visa that I authorized payment and it can take up to 45days. Fast forward its XX/XX/XXXX and the property management still havent received the rent for this month. Im being charged late fees and chase is not disputing the transactions and know that Ive called over 10tens trying to resolve the problem they didnt even offer to help pay late fees now Im on the edge of eviction. Its XXXX dollars gone out my account I cant just get another XXXX to pay rent now its XXXX and chase is not helping me at all. They keep saying they received the money but the property management said nothing is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2019 I made a XXXX transaction through my bank to purchase broadway tickets. I was communicating with the person and once I sent the funds I never heard from them again. I initially sent a {$1.00} and the {$140.00}. Navy Federal returned {$1.00} but not {$140.00} staying they could not track the transaction. XXXX states that since the transaction did not happen through them they could not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation