vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: TX

Complaint narrative:
My repayment terms are wrong. Based on my loan amount, my loans should qualify for 30-year repayment. I've called and e-mailed several times and can't reach them. 

*I called on XX/XX/XXXX on my lunch break and was on the phone for an hour. The rep couldn't help me and said her computer was down. She transferred me and I was eventually hung up on. Full records and call logs available. 

*I then called back at XXXX XXXX ( XX/XX/XXXX ) and was on hold for 31 minutes and could never get through. Full records and call logs available. 

*I sent an e-mail message that same day at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

Could someone please address my question so I can make the CORRECT payments. The current payments are too high. My repayment terms should be 30 years. You are just sitting on your hands doing nothing and all you want to do is try to ruin my credit score instead of facilitate a successful repayment. Full records and call logs available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I had a previous complaint with complaint # XXXX. 

The previous complaint was related to not being able to access {$3000.00} that I purchased using a company called Reloadit and it's parent company, Blackhawk Network. 

For the original complaint they company said that they would send me a refund check of {$3000.00}. 

The check that they sent was fraudulent with a routing number that doesn't correspond to an actual bank. I called the bank listed on the check and they stated that the routing number is not related to their bank and that it is not related to any bank. 

I am requesting a full refund amount of {$3000.00} with an actual check from an actual bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
In XX/XX/2019 I called XXXX XXXX of XXXX to ask if they were in network for my insurance, XXXX XXXX XXXX XXXX because my physician told me I should go to the emergency room. XXXX said that they were in network which meant they would accept what the insurance paid them and an additional co-pay of either {$35.00} for urgent care or {$100.00} for an ER visit. 

After I was treated and XXXX collected more tan {$1700.00} from my insurance company I learned that they had lied about being in network and subsequently began billing me {$210.00}. I contacted them and told then that I should only be billed for the {$35.00} copay since I was not admitted to the hospital. ( it is not my fault that their employees do not know what they are doing and are poorly trained and give out wrong information -- or that they instruct their employees to lie so as to make more money. ) They refused and threatened to put me in collections. That threat was obviously not and idle one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: GA

Complaint narrative:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC # XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and Equifax is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: AR

Complaint narrative:
I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$21000.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX   XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: NY

Complaint narrative:
I've been paying my child support obligation via pay roll deduction since XX/XX/XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX balance obligation. This account is being reported as COLLECTION in XX/XX/XXXX. i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX   years. please help

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 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHOICE CAPITAL FUND
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied and was approved for a {$200.00} loan. Looking into the loan further, I noticed the interest rate is 660.01 % or a ( 1 ) time payment of {$61.00} and then ( 9 ) payments of {$120.00} for a total of {$1100.00}. Somehow this seems extremely high and should be illegal. Pay XXXX in interest for a {$200.00} loan is quite high to say the least. Is this really legal. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: NY

Complaint narrative:
Equifax continuously reports account # XXXX XXXX XXXX XXXX XXXX as accurate & updated. 

However account still reflects inaccuracies. 

Equifax currently reports that last payments was received in XX/XX/XXXX. A violation. 

However, this account was last paid in XX/XX/XXXX, of which my bank statements reflects. Please update or remove Account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
The Company provided a Fraudulent statement lied to you a federal Agency. FBI, Metro PD and FTC already ruled that they in breach of Federal Law and committing Federal Banking Fraud. 

This what they wrote to you : " CFPB Response XXXX # XXXX ( Recd XX/XX/2020 ) Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. We appreciate the opportunity to address the issues raised by Mr. XXXX XXXX and the CFPB. Mr. XXXX complaint references the treatment of Daily Cash for returns. The Apple Card Customer Agreement details the handling of a return on an Account, including that the Bank will charge an Account an amount up to the amount of any Daily Cash accrued for the transaction ( s ) related to the return ( a Daily Cash Adjustment ). Mr. XXXX made a purchase and earned Daily Cash.  When the Customer returned the merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he previously earned was already transferred to his Apple Cash account on XX/XX/2020. Based on the above details, we kindly request this complaint be closed. '' This the reality. The Merchandise was never returned. The computer is in my possession. XXXX XXXX   AFTER SPEAKING WITH GOLDMAN SACHS ON THE PHONE IN PRESENCE OF WITNESSES who submitted sworn affidavit to the FBI Also. XXXX advisor asked me to return it and repurchase it to gain additional discount when I went to purchase XXXX XXXX. I told them what about my cash they got Goldman Sachs on the phone and GOLDMAN SACHS representative in the  presence of the witnesses that I get to keep my cash back if I di what I am told by XXXX. Please see attached the proof that the merchandise was repurchased with the receipt and that it is registered to me with the XXXX XXXX Document. 

I have published this fraud to MEDIA OUTLET SO that other consumers do not get frauded by GOLDMAN SACHS LIKE I AM VEING FRAUDED AND ABUSED Additionally, their supervisor had agreed to put this under investigation and someone was supposed to call me and it never happened THE RECEIPT AND XXXX XXXX   EVIDENCE BELOW SHOWS YOU THAT I ABIDE BY THEIR TERMS AND CONDITIONS!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I went to Belk. As I was leaving a lady asked me about a promotion for opening a belk card, I let her know I already had a belk card. She said that she could get me a better card by applying with her. She asked me to put in my income to see if I could get a higher limit. We discussed the advantages of the new card including additional rewards. I thought she was enhancing my card that I had already not applying for a whole new card. She then handed me a piece of paper with a new limit and lower credit amount. I was very confused by the whole process. I then got a new card in the mail that had less benefits than one the one I already had. I have a mastercard that I can use anywhere and the card I got was just a card to use in Belk. The whole interaction was offputting. I called the store to complain as it was misleading what was going on.

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 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I refinanced my home in XXXX ( closing scheduled as of XX/XX/XXXX ; loan originated on XX/XX/XXXX ) with Cardinal Financial Services. The home appraised, as submitted to Cardinal for the refinance process, at {$260000.00}. The total mortgage on the refinance was {$190000.00}. They promptly transferred the loan, seemingly internally, to Cardinal Financial. They begin charging PMI, despite there being much more than 20 % equity in the home. I have been unable to get this charge removed, despite requests made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX My husband called today using a recorded line, and they again simply said that they will " send us the paperwork '' which never arrives. I have paid, at this point, thousands of dollars of PMI erroneously that is owed back to me. It is my understanding that charging PMI on a loan with more than 80 % equity in the house ( in some cases 77 %, but we meet even that criteria ) is illegal under the 1998 Homeowners Protection Act. At this time I need to pursue this beyond the company 's capability to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was recently approved for a Chase Sapphire Preferred credit card with a credit limit of {$5000.00}. And my account was closed by Chase for absolutley NO reason. I have done absolutely nothing wrong at all. I have not opened up various new accounts recently, have a string of new inquiries and have never missed a payment on ANY account ever. I have submitted a copy of my birth certificate and Social security card to chase for verification of my identity, so I have done nothing at all to arise suspicion of fraud or not being who I claim to be. 

I would like to humbly ask for Chase to reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I attempted to create an online account with Equifax to manage my credit freeze. The Knowledge-Based Authentication ( KBA ) questions were impossible to answer correctly because some either referred to data unrelated to me, or used data far too old for me to recall. After calling Eqiufax, I was told that because I was unable to answer the KBA questions, I was permanently prohibited from setting up an online account despite the fact that the Equifax agent successfully confirmed my ID by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have tried to close my accounts with Chase several times over the phone and twice in branch, but never had success. Customer service representatives seem to have endless line of excuses why I can not close the accounts. Chase banking products simply do not meet my needs anymore. Free checking accounts from other banks match or exceed the functionality of Chase checking account. Many banks are offering 1.60 % or higher interest on savings account as compared to Chase 's 0.01 %. Chase trading platform on You Invest Accounts is not functionally comparable to even XXXX, nevertheless to offerings of firms such as XXXX, XXXX, and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX  is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXccount # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!

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 2020-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!

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