vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
For the loans I had taken for my XXXX school education, I had a balance of around {$160000.00} from UASXXXX XXXX. Because the interest was high, I consolidated my XXXX   loans with XXXX XXXX and they made the payment to UASXXXX  on XX/XX/XXXX. Meanwhile I had already made my XXXX month 's installment of {$2300.00} as I did not want to be late even on a single day on my payments. So there was an overpayment of a months installment. Even before I closed the loan I called UASXXXX  to know what will happen if I made an overpayment and they stated they will either mail a check to me or send it to XXXX XXXX after about 40 business days. So, after about 45 business days, I called UASXXXX and they stated its actually about 60 business days and that the previous customer service representative gave incorrect information. Since then I have been calling almost every week talking to them for around 30minutes regarding an update on the refund and they keep giving different updates every time. They claim they refunded the money to XXXX XXXX on XX/XX/XXXX but when I called XXXX XXXX they did not receive it and they still havent. When I ask for proof, UASXXXX can not provide any proof of the check or the money was transferred. They keep saying they will call me or email me with the updates but they havent done that even once. I am so frustrated with UAS/XXXX because they are wasting my time and making a fool out of me. I worked hard for that money and I paid the monthly payments to UAS/XXXX on time for many years but they have no concern for me and are ignoring me. At the beginning I was talking to XXXX XXXX from UAS/XXXX and she tried to help but she kept saying the same thing to me and I didnt get any new updates from her. Another UAS/XXXX customer service representative, XXXX, was very rude to me and was not helpful. She stated there is nothing else they can do. And numerous times I asked them I wanted to talk to the supervisor or manager but they never gave me a chance. When I called UAS/XXXX on XX/XX/XXXX, while on conference call with XXXX XXXX representative, XXXX stated that they will send the refund again to XXXX XXXX but XXXX XXXX still didnt receive anything. And again I called UAS/XXXX and another customer service representative stated she doesnt see any updates in their system. I asked them again when exactly they send the check and for proof but they couldnt provide it. Even in my busy schedule I called them and wasted many hours because me and my parents worked hard for this money and I dont want to loose it. I was pregnant when I started this whole process and I felt so tortured. Now I have a XXXX XXXX baby and I spend a lot of time calling UASXXXX   instead of spending that time with my baby. I have been going through a very stressful process for this refund and I feel very disrespected and cheated by UAS/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These acounts and inquiries were found on my credit report : Accounts : Worker 's XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-07-27 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: MA

Complaint narrative:
These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX XXXXXXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$570.00} XX/XX/XXXX Inquiries : XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: MA

Complaint narrative:
These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX  XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/19, I signed up for a free trial of a XXXX XXXX   service. The service required pre-authorization for future months, so I authorized via PayPal. Immediately, the PayPal app authorized a debit of {$19.00}. I then contacted PayPal thru their online support and reported an unauthorized debit. In minutes, my claim was denied. I tried to dispute the charge twice more, and each time my dispute was rejected with no clear explanation. 

Finally I contacted the XXXX XXXX service, and that service issued a refund with XXXX minutes. 

XXXX days later, PayPal removed {$19.00} from my account, and is now holding the refund for the usual " XXXX business days ''. 

This is the second such time PayPal ignored refund requests from the vendor and me and held funds from my account for a period of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. Portfolio Recovery Associates has placed an alleged collection on my credit reports recently. Account # XXXX. I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. Furthermore I was never given a notice of this debt nor my right to dispute it. I am asking for validation of debt, and proof of notice being sent to me. If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and Portfolio Recovery is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.I have previously mailed the company a cease and desist letter to their corporate offices. I have attached a copy of that letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has been reported on my credit report as a collections account when I never applied for credit nor have any type of contract with XXXX. Ive asked XXXX to clear the information up with the credit report bureau and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I open a checking account on the XXXX of XXXX with chase bank in XXXX XXXX California. 
I go and try to check my information on my checking account to get a message to call a number i called that number and they say that the are closing done my account.

Also i seen that so one was using my identity at Chase Bank. And chase been one of the banks who had a breach before you will think that they would ask for that person identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I used the Discover online system to check the balance of my Discover balance transfer, which is due XX/XX/XXXX. I was unable to find the total on the website or on my statement. Because the information was not available online, I used the online email system to request my balance transfer remaining balance. The reason that I was checking is because since XX/XX/XXXX, my payments towards this balance transfer have been anywhere from {$1500.00} to {$5000.00} monthly. This was done to ensure that my total balance transfer was paid in full by the due date. I was expecting to be close to paying this off, if not having paid it off in full already. 

On XX/XX/XXXX, Discover responded and informed me that only the minimal balance of my balance transfer was paid out of each {$1500.00} to {$5000.00} monthly payment. Many months, the minimal balance is only {$120.00}. If only the minimal balance is being applied to the transfer balance, this is a company practice that guarantees that I would not fulfill my obligation of paying off the balance transfer by XX/XX/XXXX. 

On XX/XX/XXXX, I responded asking what I needed to do to be able to dictate that enough of my monthly payment was applied to my balance transfer to ensure that the balance was paid off in full by XX/XX/XXXX. Discover responded with the same canned text without answering my question. 

Of note, my balance transfer of {$10000.00} ( acquired XX/XX/XXXX ) has a remaining balance of {$5800.00}, despite my making {$20000.00} in payments since XX/XX/XXXX. 

I am filing this complaint for two reasons. I believe that Discover 's  practice of applying my payments to only the minimal balance of the balance transfer is deceptive and intended to trick the consumer into missing the deadline for full payment, which allows them to charge all of the interest that was previously withheld. My second reason is because Discover needs to be held responsible for correcting this process so that a less saavy consumer would not be taken advantage of. 

Of note, nowhere on the website or my statement does it display my balance transfer total as opposed to my total balance, which was why I contacted them in the first place. This is also intended to hide their deceptive practices and needs to be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: OH

Complaint narrative:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and Equifax all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time. 

Old information reappears on report, and then put back on again.

Incorrect personal information ( Address, etc ) that should not be on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I had my air conditioning ducts replaced and financed the project with Wells Fargo. There was a promotional financing promotion, no interest if balance paid before expiration of special financing term. I had a second project with the same vendor for the installation of a faulty thermostat - also with the promotional financing. 

I made timely payments every month and was set to pay the entire balance prior to the special financing expiration date, which I believed to be XX/XX/XXXX. 

When making my payment this month, I noticed the balance had increased by about {$950.00} dollars. I looked at my statement and saw a charge for interest. I looked again at my statement and it looks like both special terms where set to end in XX/XX/XXXX or XX/XX/XXXX. The print is so small and unclear, that apparently the XX/XX/XXXX due date was actually XX/XX/XXXX. 

I contacted the bank and advised that I was planning on paying the entire balance, requesting they reverse the {$950.00} in interest in light of the fact the it had not even been 30 days since the promotional financing expired. 

They refused. The font on the statement is so small and the numbers and dates look exactly the same. 

Considering I made all my payments timely and paid more than the minimum due, and was offering to pay the entire balance immediately, to charge {$950.00} dollars in interest is outrageous.

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 monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient is the loan provider. They call me at least 7 to 20 times a day. Even if I answer. I tell them I can't do anything right now till I get a job again. They will call 10 minutes later and again and again and again in same day. Even if I make a small payment they will call me t day and all over again. They call every phone in my name, leave messages with them even though it's not me and call them several times a day too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I think this debt is from my old roommate in XXXX XXXX, XXXX. I moved away from XXXX XXXX on XX/XX/2018 to XXXX, XXXX when I moved away I called XXXX. They said they can switch everything over in his name and Im guessing that XXXX fail to do that. Im guessing this debt is from my old roommate cause Ive had a outstanding account with XXXX and still have XXXX  to this day and every account I open. So if I owe XXXX   anything how can I have a account now with them now and they havent come to me about owing {$250.00}. So either I owe XXXX nothing or this debt is from my old Roommate in XXXX XXXX. Im in regular contact with him and can have this paid for. I would also like to add that I never got a bill for anything so how am I suppose to know I owed this. I would also like to know dates that this debt was accumulated from or if equipment wasnt returned or what city the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This was a joint account. I was co-signer on the account. It is listed as an individual account. Due to some late payments, this account appears as a negative account on my report even though the account is now paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Company : HSBC I responded to mail promotion from HSBC ( copy attached ) promising a {$370.00} welcome deposit for opening a checking account, depositing {$10000.00} in the first 30 days, and maintaining that amount for 90 days. The mailing promised that I would automatically receive the welcome deposit approximately 8 weeks after the 90-day period. 

Timeline : - XX/XX/2019 : Account opened and funded with {$10000.00}. 
- XX/XX/2019 : 90-day period elapses ( balance throughout this period = {$10000.00} ). 
- XX/XX/2019 : This is now 8 weeks after XX/XX/2019 so I expect to receive the {$370.00} welcome deposit shortly. 
- XX/XX/2019 : I first try to contact HSBC at XXXX but am on hold for over 20 minutes  and hang up. 
- XX/XX/2019 : I again call HSBC and speak with someone who confirms I have met the offer conditions and says she will get back to me within 48 hours to advise on when I will receive the {$370.00} welcome deposit - XX/XX/2019 : There has been no follow up from HSBC so I call again and speak with a different person who explains that he will need to submit another inquiry with the marketing team and will call me back no later than the following Monday ( XX/XX/2019 ).  Since the person I am speaking with says he has no authority to resolve my issue, I ask to speak with a manager or directly with someone from the marketing team, but am told that is not possible. 
- XX/XX/2019 : Six days later, there has been no follow up from HSBC so I call again. Again I am told that the person I am speaking has no authority to resolve my issue and they will need to submit another inquiry with the marketing team. They can not provide any timeframe for when to expect the issue to be resolved so I tell them that I have not received the welcome deposit I am owed within two days, I will have to file a complaint with the CFPB and the California banking regulator. 
- XX/XX/2019 : I have still not received the funds I am owed or any follow up from HSBC so I am submitting this complaint. 

There are numerous other complaints on the CFPB website regarding similar facts so clearly HSBC is engaging in a pattern of behavior -- promising welcome bonuses for opening accounts and then failing to carry through with their promises. In my case, the bank has had ample notice of the issue and time to respond. Their ongoing failure to correct the error amounts to an intentional act to harm a US consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Charged for fraudulent charges on XXXX account. They refuse to credit the charges, forced to close account and now they call me 6 times a day harassing for payment. I refuse to pay anything on this

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 monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a 2011 XXXX XXXX for {$15000.00} on XXXX.The Finance company is XXXX XXXX XXXX XXXX After looking at my account on today, XX/XX/XXXX, my statement for the payoff balance is {$14000.00}, with ALL full payments going towards the interest at 100 %. I have attached my transaction history. There has only been {$400.00} applied towards the principle of the car starting in XXXX of XXXX. I have been making payments of {$420.00} for the past 4.5 years and  none of those payments have been applied to the principle. Which means that I have been paying only the interest on a XXXX vehicle for 4.5 years. After speaking with the representative at XXXX today, she informed me that the amount still owed on the car is due to 6 extensions that  I have been granted over the life of the loan. 6 extensions over a 4.5 year period is far from unreasonable. Especially, when the extensions were due to over 10 recalls most not covered by the manufacturer, that I paid out of pocket for and mechanical issues with the car. I was also told that once I pay the last {$64.00} of the interest from the extensions most of my future payments would then go towards the principle of the car in which I will be paying another {$14000.00} in additional payments to pay the car off. As of today I have paid over {$20000.00} and I still owe {$14000.00} for a car purchased for {$15000.00} in XXXX.This company is practicing predatory lending by implementing negative amortization within there loan contracts which is deceptive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Dear Amex, Thank you for your reply. I feel your missing the main point here. My contention is that with adequate internal controls, a scam like this would not be possible. All credit card companies already have similar controls in place to protect against and combat regional charges that are impossible over a short time frame as well other anomalous account activity. 

Why can't American Express implement internal controls to prevent account holders from purchasing exorbanant amounts of gift cards over a short period of time when it's not even XXXX. Nobody, in good judgment, would buy {$5000.00} worth of gift cards even at XXXX, unless they were under duress and facing the undue influence of a scammer. 

Why can't American Express understand this concept and recognize the need for internal controls to address this? 

Sadly, as I've stated before, Senior Citizen cardholders are victims of this type of scam all the time and I feel American Express is not practicing the due diligence needed to protect these Seniors. 

I feel this is a complete failure of leadership at American Express to not address this matter with the proper internal controls. But I'm certain after enough people become victims and complain, American Express will eventually address this matter after losing enough customers and in turn enough money! What would share holders think about their investments in a house of cards? 

I feel this dire situation should be escalated top management. 

In the meantime, I am once again requesting that you implement a series of internal controls to protect American Express customers and I would like these charges that were predicated upon fraud written off from my account balance. I understand such an initiative would be very expensive for AMEX, and I would gratiously settle for these charges to be removed from my account balance. 

But make no mistake, I implore AMEX to do the right thing and protect it's customers with the above mentioned internal controls as I feel the way this has been handled thus far has been a cruel farce! 

Clearly Amex has a huge hole in the bucket which needs to be plugged! Please govern your company accordingly. 

Thank you,

Company response to consumer: Closed with explanation