vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: CA

Complaint narrative:
A company named LexisNexus is reporting a judgement I received more than 7 years ago and they will not remove the information from their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My lender informed me this was on my credit. Interfering with my ability to purchase a home. I have not heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
Received debt collection letter from Hillcrest Davidson on XXXX for {$220.00}. 
This is a false billing. I had alarm services from XXXX XXXX for several years for which I paid them hundreds of dollars. In XX/XX/XXXX I emailed them and asked them to discontinue services. I received no response. In XX/XX/XXXX my credit card company stepped in and called the company.The credit card company was told I couldn't cancel service. The credit card company arbitrated the dispute and decided to cut the billings off. I called XXXX to discuss, and their rep lied to me saying he had no supervisor. He told me I could not cancel service. There is no signed contract. XXXX made numerous calls including from phantom phone numbers to get me to pay for services which they did provide and I told them did not want after the credit card company arbitrated in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: CW Financial
State: KS

Complaint narrative:
Regarding XXXX. They are continuing to report an account as a Charge off. I have disputed this at least 6 times and have asked in writing to be provided with the accuracy of this account according to the laws and guidelines of the FRCA. They will not provide any proof of verification but continue their incorrect reporting. The company is XXXX XXXX. They have no information except a phone number to call and when I tried it says it's been disconnected. This account was originally thru XXXX XXXX. 
In XX/XX/XXXX I reported fraudulent charges made in this account, many in other countries or locations I had not been too. I worked with XXXX XXXX and continued to pay my charges off until the balance was XXXX. The last payment made was XX/XX/XXXX.  The account was closed. Both XXXX and XXXX  removed XXXX XXXX from my account as they were not the original creditor. XXXX XXXX is reporting the payments I made to XXXX XXXX, but begin reporting late from XX/XX/XXXX. In XX/XX/XXXX they reported my account current. I thought this meant that due to my dispute it would erase all late charges as the remaining amount left was due to fraudulent charges. This was not the case, they then reported it as a Charge off. They also reported that I had made a payment on XX/XX/XXXX. Again inaccurate. They have continued to report to XXXX since then that this is a charge off. Even though XXXX is aware of the situation they continue to report these inaccuracies and will not provide any proof, except to say they electronically verified, even though I asked for written proof that this is my debt, which they were unable to provide me with.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX allowed me to be added to an authorized users card without my consent. This had a negative impact on my credit score and when I contacted them, they told me they dont need my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express offers a XXXX XXXX Credit Card which I have had for about 8 years. If the card holder has {$30000.00} or more in spend a year XXXX XXXX 's are posted to the cardholder 's Delta Skymiles account. So far this year ( XXXX ) I have over {$37000.00} in spend on my XXXX  XXXX card, yet Amex and XXXX  only show around {$23000.00} in spend. The reason is a company ( XXXX XXXX ) charged my account around {$14000.00} in error in late XXXX. The charges were backed out by XXXX XXXX in XX/XX/XXXX. As a result, Amex only shows {$23000.00} in spend for XXXX. Obviously, at least to me, reducing my credited spend for transactions that were made to my account without my authorization and were removed is unfair to say the least. On XX/XX/XXXX, I contacted Amex through their online chat and after 15 or so minutes was told this was XXXX  's error not Amex. I knew that was not the case so I called Amex 's 1-800 number that same day. The customer service rep told me that was not the case and he would open a dispute for me explaining the problem and I should receive an answer in 48 hours. I have checked daily and there is no open dispute on the Amex website and Amex has not contacted me. I guess they hope I will give up. I would prefer Amex to handle this but apparently their customer no service will not help me get his corrected. Maybe you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had this account opened since XX/XX/XXXX and have had perfect paying history on this account. I applied to refinance my mortgage and was not approved for a favorable rate because it is reporting in XX/XX/XXXX that I was 30 days past due on my Capital One Credit Card Account on my credit reports with XXXX, XXXX and XXXX. I remember in the month of XX/XX/XXXX I logged into make a payment from the Capital One website and the site was down and was not able to make a payment. I logged into my XXXX bank account and set up a payment in the amount of {$300.00} from my online bill payment system. I noticed a few weeks later that the payment never posted to my capital one account. I immediately contacted Capital one and made them aware of this issue and we scheduled a payment over the phone. I ended up contacting XXXX and they informed me that the payment was sent electronically to Capital one and they gave me the ID transaction number XXXX. I informed them that Capital one never posted this payment to my account and that Capital one stated it was not received. The representative said that the only way for me to get the funds back is to file a dispute for the {$300.00} that was sent to capital one which I did receive the {$300.00} back about a week later. However my credit score has suffered from this issue caused by the Capital One. I did send the funds and I do have records of making the payment but they just never posted it to my account. I am requesting that Capital one removes the 30 day late payment from reporting to XXXX, XXXX, XXXX, and any other major credit reporting company they report to because this was indeed a BANK ERROR. My credit should not suffer because of a bank error and this is totally unfair to me because now I can not save money by refinancing on the high interest rate I am paying for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This is a second related filing to XXXX, in which I listed XXXX XXXX XXXX as the involved bank. 

This complaint is about TD Bank 's role in the same matter, and the requests I have of TD Bank. 

1. On Monday, XX/XX/2019, I received a check from XXXX XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on TD Bank. 2. I deposited the check to my personal checking account at XXXX XXXX XXXX, using the mobile app. 3. The app stated that there would be a standard hold, and that the funds would be available the following morning. 4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XX/XX/XXXX, at XXXX XXXX. - yesterday. 5. The funds were made available at around XXXX XXXX. 6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 8. I called XXXX. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX. 9. I called at XXXX XXXX. but the line for agents was not open. 10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by TD Bank on behalf of XXXX XXXX XXXX. 11. I then called a TD Bank branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 12. It is troubling that XXXX says there was a stop payment, but TD Bank says there wasn't a stop payment. 13. I left an urgent voicemail for XXXX XXXX at XXXX XXXX XXXX corporate office, but have not received a reply as of this time. 14. XXXX XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX. today. 15. XXXX XXXX, TD Bank branch manager,  called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by TD Bank or whether there was a stop payment. 16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I sent a total of {$2300.00} to a business named XXXX XXXX XXXX via XXXX ( XX/XX/XXXX {$950.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$400.00} ) to receive a business loan, however I was scammed and never received the money. I also would like to point out that I went into a Chase branch and showed them Chase documents that the scammer sent to me regarding the wire transfer, and was told by the banker that the documents were indeed legitimate. After trusting the banker I felt comfortable sending the funds, believing this was a trustworthy transaction. I tried contacting Chase to see if they could reverse or refund the charges, however they only pointed to the terms and conditions of XXXX and said it was non-refundable. They did not try to help at all in retrieving the money or finding a way to dispute the scam. I was told that it only should be used with small amounts and to family, friends, etc. XXXX nor Chase bank makes this information easily accessible and in the end the only person that loses out is the customer/victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My debit card was stolen and I reported it the following morning using the automated text from the bank. They didn't block the card so it continued being used, so I used the email to block the card and was greeted with a page showing it was closed and a new one would be sent out. When I noticed it was still being used, I call to have it blocked and a new one sent out. It was still being used, so I eventually called and got the fraud department to open a claim and this finally blocked the card. They refuse to acknowledge they did not block the card appropriately when I reported it, and now are refusing to refund the money that was taken. When I re-opened the claim to be investigated with more information from my XXXX XXXX card ( showing I was not paying for everything in cash ), they then closed my account for " claim abuse ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I paid my XX/XX/XXXX payment on XX/XX/XXXX, which was late ; since my due date is the XXXX. I noticed my student loan monthly payment went up to {$200.00} when Nelnet emailed me on XX/XX/XXXX. Also I made 3 payments in XX/XX/XXXX to make my account current. I called Nelnet 2 days later on XX/XX/XXXX twice to find the reason why my monthly payment increased. I don't remember the first reps name, but she told me the reason why my payments went up, is because I'm on the graduated payment plan and I've already made 24 monthly payments. That is a blatant lie, since my loan transferred to Nelnet in XX/XX/XXXX and I paid {$190.00} that month, which was my monthly payment I had at XXXX XXXX before Nelnet took my loan over. Nelnet in a letter I received said it would be ok to pay that same amount for first month and then I would have to pick a payment plan. I picked the graduated plan and for the first 24 months I would pay {$160.00}. So, I called back after doing some research to find out how many payments I made. I actually only made 16 payments up til that point, so I should technically have 8 more months, now 7, to go before my payments go up. I called Nelnet back the same day and spoke to XXXX ; I explained the reason for my call and what the first rep said. After a couple minutes of XXXX reviewing my account, she said the reason my payment increased, was because interest had recalculated when I get off the auto debit program, which makes no sense either and I even stated that on the phone before the call ended. That answer isn't legit either. I was on the auto pay at the end of XX/XX/XXXX for a couple months and when I got off of the auto pay program my payments never went up, because of the interest recalculating. So, at that point I emailed Nelnet to see If I could get a correct answer, since obviously the reps that are working at Nelnet have no idea what they are doing and talking about. Nelnet emailed me back a few days later and said in the email to call them. I called Nelnet on XX/XX/XXXX and the rep said that when my loan came over Nelnet ; Nelnet didn't have the right terms for the payments, so when Nelnet found out, the terms were corrected. I a lot of things are wrong with this : First off, the first 2 of the reps lied, which I'm pretty sure is a violation of the FDCPA. Second it shouldn't have taken 3 calls to get the correct answer. Third I shouldn't have to bite the bullet per se, because Nelnet couldn't do their job before they took complete ownership of my student loan in the first place. Lastly a flag should have been seen by Nelnets system between the {$190.00} payment and the {$160.00} payment. So, I applied for an income driven payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I deposited a large check on XX/XX/XXXX. The teller advised that funds would be available on XX/XX/XXXX. It states this on the deposit slip ( attached ). It is now XX/XX/XXXX and Chase advises me that funds may not be available until XX/XX/XXXX. The check was drawn on XXXX XXXX and I have been advised by them that Chase has received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I currently have $ 97k+ loans with Navient alone. I am actually currently on a loan reduction program, but I am told that it will keep going up. They tell me that I can afford about $ 800- {$900.00} a month. I can not. Currently I am at $ XXXX/month but even with that, I am struggling. I have been paying off my loans ( after the 6 months grace period ) since XX/XX/2016 and my loans only keep going up!. My loans were at about $ 95K when I started in 2016 and now are over $ 97k+. I am assuming this is all because I am on the loan reduction program. I can not refinance these loans because my credit is too low. Trying to get this company to work out a lower payment plan is like pulling teeth. It took me a month of negotiating to get them down to $ XXXX/month, which I was told was a very special circumstance. However, that monthly payment is about to be up ( I am only on this plan for 6 months before it goes back up ). The worst part is, with doing this rate reduction plan, the interest accrues and my student loan bill goes up. I can not afford the regular price ( I was told it was roughly around $ 1300/month! ) I am swimming in debt. I am on time with everything but I get no where. My sister has gotten a call about a lawsuit with Navient. Not sure if it was a robocall or not or if it is even legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Service, Inc.
State: AR

Complaint narrative:
I have previously filed a complaint ( XX/XX/19 ) about this company contacting me at work after I asked them not to. On XX/XX/2019, this company had me served with a lawsuit at my place of employment in front of my coworkers and supervisor. I request sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I had make a payment with an older bank account they charged late fee and Returned Online ACH Payme nt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from transunion or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments this year alone on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I closed on my home on XX/XX/2019 not long after closing I begin to receive phone calls text messages, and a email from the loan manager at U.S. Bank where I received my home loan. First I was told that they didn't know that the property was located in XX/XX/XXXX county, than I was told that the program IDA stopped offering assistance to XX/XX/XXXXcounty in XX/XX/XXXX of this year, but they will honor the {$7500.00} dollar down payment assistance that I received if I sign a new contract agree to all terms and conditions, but everyone has to agree. Then I received a message from the loan manager at U.S. Bank stating that if I don't call her they will be calling my loan which means they will require me to pay off the mortgage in full, because they don't have any legal documentation necessary to keep the loan intact. I asked the loan manager several times for the new contract, but was unsuccessful.

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