vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed an account showing on my credit report with XXXX for the past 4 months to no avail. The name of this account is XXXX XXXX XXXX. I've contacted this lender and they confirmed I have no account with them. They also reviewed the documents used to open the loan, and verified those documents did not match my SSN. 
XXXX  is not performing their due diligence by proving to me that this is my account. Furthermore, they keep reporting an account on my credit file that doesn't belong to me and is damaging my credit reputation. 
They keep sending me some frivolous information marked " Verified. '' To XXXX  : I would like to know EXACTLY how you are marking this false account VERIFIED? 
Why are you allowing these to remain on my credit report when they are clearly in violation of federal law? Im aware that section 609 requires you to furnish the paperwork that was filled out when my accounts were open and if you do not have this documentation, its considered false reporting. Due to the fact that this inaccurate and false info continues to report, youre in violation of sections 609, 1681 and 623. 

I need some type of response - better than VERIFIED ; because clearly I am not being treated fairly under law and I WILL pursue legal actions if this is not resolved immediately.

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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I've been making payments on my student loans for more than 5 years. Even though I've never missed a payment and I've only ever worked in public service, my loan servicer is crediting me with less than 2.5 years of qualifying payments towards public service loan forgiveness. The servicer, Pennsylvania Higher Education Assistance Agency, should give me credit for every monthly payment I've made since I've always been employed in qualifying employment while paying off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}. 

I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present. 

Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.

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 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, my wife ( XXXX XXXX ) and I ( XXXX XXXX ) sent a wire transfer to our daughter XXXX XXXX, who is a student at the XXXX  XXXX XXXX in XXXX, XXXX - XXXX. The amount was for {$5000.00} and it is something we have done for her six or seven times since she started going to school there in 2016. It is 12 days later and the money has not been received. It usually take 2-3 business days. 

Our bank is JP Morgan Chase, our account is XXXX. The branch where we executed the transaction is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My daughters bank is XXXX XXXX  XXXX, The reference number for the transaction of XXXX. 

Our attempts to resolve this issue have been frustrating. In fact, Chase 's only answer to us was that the transaction was under compliance review because they wanted to make sure we were not laundering money to XXXX or XXXX. Funny, I have been a Chase customer for well over 20 years, my daughter a XXXX customer for 2 1/2 years. They know more about our financial dealings than anyone - why would it take more than ten minutes to figure out we have to do with any of that. We also only found that out after calling them for the 4th or 5th time ... which leads me to believe it may not even be true. Also given this is the 6th or 7th transaction for the same purpose they could have easily looked at my daughter 's records to see where the money goes - which is rent, her phone and the grocery store. 

For them to hold our money to make money on the float while currency markets fluctuate is awful. I believe our rights are being trampled upon and I would like the matter resolved quickly and not repeated ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continue to report a negative item on my credit from XXXX XXXX XXXX. This account is not mine. I have never attended the institution nor applied for credit or a loan. I sent in a police report to XXXX XXXX XXXX and to transunion. They have documentation with my signature. It is clearly fraud yet it remains on my credit report. also, transunion has inquiries on my credit report that are clearly not mine. I have sent three letters over the past year about these things and received no additional information or resolution even though I have requested it.

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 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I attempted to make an order from a company I have purchased from a number of times. However, their website wasn't properly functioning. So I sent an email to their customer service notifying them that I was unable to place an order online and needed to duplicate a transaction I had recently placed. However, I sent the money, via Paypal, to an incorrect address not associated with their Paypal account. My mistake, easily rectifiable, right? Wrong. 

Their customer service is designed to stretch simple problems into a cycle of frustration until people give up. Though I have provided NUMEROUS clear explanations as to what happened, they continue to either play XXXX or are actually the most incompetent people on Earth. I've forwarded messages from the vendor acknowledging that they do not have a paypal account at that address and that payment was not received ; all to no avail. Despite having a clear internal record that the payment I sent has not been claimed by anyone, they refuse to reverse the transaction. 

Yesterday, XX/XX/XXXX, I was finally asked to call and given an access code which would allegedly expedite my connection with a Customer Service " expert. '' Wrong. After going through an endless stream of options, none of which applied to me, I was finally connected with someone who understood the issue and told me she would reverse the transaction. However, she needed to transfer me to someone to complete the final transfer and verify account information. You can see where this is going. I sat on hold for 37 minutes ( in the middle of a work day ) before finally giving up. When I wrote Paypal again to complain/try to resume the situation, they completely ignored all progress we made and went back to their original message of 'contact the seller. '' I'm happy to provide all emails from the external vendor, paypal, or any phone records. This entire thing is over {$10.00}. I'm pursuing out of principal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I received an offer for prequalified line of credit from personify on XX/XX/XXXX. I made application provided all of my documents and let me know would be 24 hour process to qualify for the loan. I heard nothing back in a few no correspondence from the company whatsoever on calling on XX/XX/XXXX, I was told I was declined without reason. Now my credit is affected because of the inquiry and I have no reason why I was declined. Should not be able to send out pre-qualifications and preapproval without being able to provide a loan. I feel baited into this application because it was directed to me personally and I would not have otherwise applied if I had not received the mail and offer

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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I XXXX XXXX made three payments toward modification then Wells Fargo foreclosed in XXXX. Bankruptcy attorney XXXX XXXX saved the house. Account XXXX. The same occurred in XXXX. XXXX XXXX XXXX XXXX proved mortgage fraud. Now in XXXX they have already forclosed. They separated the note from the deed.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I have tried to resolve this issue. They claim I owe a debt from a student university account and I have never attended their institution. I have provided a police report to them as well as written notices yet this item is still on my credit report. They have been unable to produce documentation showing the debt is mine nor bearing my signature. I did not signup for nor receive any goods or services. They also have incorrect address information. They are negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed a complaint and have been denied to talk to management. I have been told to wait 2 days for a call for management. I suppose to be protected from liabities of fraud. Im writing you with a negative XXXX account. Documentation and Police Reporr that hasnt been verified. Im looking at my children that are hungry and still no Manager was notified in my crisis. 

I had a XXXX ams had XXXX XXXX XXXX. Im unaware of what transactions happen from XX/XX/XXXX to XX/XX/XXXX. My passwords were changed My phone, license, social security, debit cards, amd cell phone with electronic wallets are missing. 

I had a deposit of XXXX on XX/XX/XXXX I noticed when I got discharged from the hospital my balance was XXXX dollars Today its is negative. I started calling customer service since XXXX and now at XXXX cst Im still on hold. I have been refused management. I was this morning I was going to get a provisional credit and now told this phone call doesnt exist I have been refused a full investigation. I have been talked to horribly. Im begging for help because my children need to eat. I have to pay for shelter. 

I just asked a resolution specialist how would you feel about this situation. She says dont bring my children in this. I filed an OCC COMPLAINT due to I put money in a bank for this emergency Im a single parent and cant give breakfast in the morning. I wasnt given the opportunity for a full investation. The disputes range up to XXXX and still counting.

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 2018-12-11 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: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
Per XXXX XXXX Visa Card Terms and Conditions. 

... You authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. Mailed payments are credited on the same day received if they are received by XXXX XXXX. XXXX Monday through Friday ( excluding holidays ). Electronic and telephone payments are credited on the same day if they are received by XXXX XXXX. EST Monday through Friday ( excluding holidays ). We may apply a credit line availability hold condition to your Account in the amount of the payment until your check or other payment instrument has cleared. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed. The payment will be applied to your Account on the date we receive it in accordance with this section. We may take up to 5 business days to process any credit of other payments that do not meet these requirements, during which interest will not accrue. We may accept and process late, partial and payments marked as paid in full without losing our rights under this Agreement. 
If your payment is reversed due to insufficient funds or a returned check, we will apply a credit line availability hold condition to your Account and you may lose any special APR offers. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed for 7 calendar days after the payment is processed. The hold condition will be canceled after 6 billing cycles where no other payment reversal event takes place. 


I submitted my most recent payment on XX/XX/2018 at XXXX. After the XXXX deadline for the credit to be issued the same day which is fine. The Payment cleared my XXXX XXXX checking on XX/XX/18. Today is XX/XX/18 a full six days after the payment has cleared my account and I STILL HAVE A HOLD ON MY ACCOUNT. Banco Popular Called me yesterday to tell me that the hold conditions apply to my account without giving any explanation. Previous representatives have told me that for the next six billing cycles every payment I make will be on hold for 7 calendar days after the payment has processed. I have never had a payment reversed, therefore, that stipulation does not apply to me. I have complied with the terms and conditions and am not receiving fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint narrative:
First, upon graduation for myself and my daughter ( for which I was paying on both student loan payments ) Sallie Mae advised that both of us would to gift back on a portion of the student loans, for which they never came through ( a reduction ). When it was brought to Sallie Mae/Navient 's attention they refused to honor the prior offered gift letter. I graduated in 2007. 

Then multiple time I was force into placing the loan 's into forbearance due to not working in the field I studied in and not having the money to pay the loan payments. Which caused interest rate to increase. At no time, was I offered any lower interest rates or other solutions. I gave up dealing with the loan agency after years of begging and pleading for help. 

I attempted to sign up for the county and state forgiveness programs, but due to being a signal mother/grandmother and having to work two and three jobs to support my family, I made a little to much money to qualify for the program ( s ). I raised my children and co-parented my handicapped grandchildren through these hard times.I am still not working in my field and still having a hard time paying for my and my daughters student loans. When I attempted to call to make arrangements or find a solution, I felt forced and cornered with no other option but to pay what was required to save my credit and good standing. 

I truly regret going to college and insisting that my children attend college due to the bills. I am close to XXXX years old and will be paying these loans until I am in my 70s, with no retirement or savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On XX/XX/2013, I filed for Bankruptcy Chapter XXXX to avoid foreclosure on my home. I had fallen behind on my mortgage payments due to a serious illness which had prevented me from working. I have been making monthly payments to my mortgage company for the last 5 years as well as monthly payments to the court appointed trustee, and according to my records, I have completed all payments to the trustee. As my bankruptcy attorney was completing " Final Cure Payment '' paperwork, my mortgage company claims that my postpetition payments are not current and I owe them an amount of {$10000.00}. I feel that my rights are being violated in accordance with the bankruptcy laws. I feel my mortgage company is in error. I have " Mortgage Account Statements '' from them that I have used to make my monthly payments to them on a timely basis. Their error causes a problem with my bankruptcy discharge and my home is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I initiated a balance transfer on XXXX XXXX XXXX transferring {$440.00} from my Capital One credit card to XXXX credit card. Only XXXX XXXX XXXX the balance transfer was completed by XXXX and the {$440.00} was added to that account. Today XXXX XXXX XXXX I still see the balance on my Capital One statement as well, I called customer service and they claim they don't see any transfer to XXXX. As of right now the {$46.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest. The transfer appears on XXXX 's end, the problem appears to be with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was offered a bonus if I opened an account with Citibank and sent them a substantial amount of funds. After meeting all of Citibank 's requirements they have not yet paid me the bonus which is past due.

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 2018-12-11 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are being reported : XXXX XXXX XXXX account XXXX and account XXXX. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I initiated a balance transfer on XX/XX/XXXX transferring {$440.00} from my XXXX XXXX credit card to Chase credit card. Only XX/XX/XXXX the balance transfer was completed by Chase and the {$440.00} was added to that account. Today XX/XX/XXXX I still see the balance on my XXXX XXXX statement as well, I called customer service and they claim they don't see any transfer to Chase and they can't adjust my account until they receive payment from Chase. As of right now the {$440.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest.

Company response to consumer: Closed with explanation