vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
In XX/XX/2003, Pennsylvania Higher Education Assistance Agency ( PHEAA ) received a ( product of identity theft ) Federal Family Education Loan Program ( FFELP ) application and Master Promissory note. The Master Promissory Note states that the lender is XXXX XXXX and the guarantor is American Education Services ( PHEAA ). The educational program is XXXX XXXX College. 
This appears to be a successful scheme to defraud the borrowers. The application was NOT sent to XXXX XXXX but directly to PHEAA 's XXXX PA address. According to PHEAA, the loans were provided by American Education Services ( PHEAA ) as a private loan and were later directly consolidated by PHEAA 's private trust. Since the private student loan is NOT a Federal Student Loan and did not involve XXXX XXXX as the lender, the borrowers were not aware that the protection of a Federal Student Loan program were denied them in this process. 
PHEAA then implements fees, costs and penalties outside the Federal Student loan protections and without consent or knowledge of the borrower. 
I have requested a copy of the agreement between XXXX XXXX ( and any subsequent SEC filings for the agreement ) through the Pennsylvania XXXX office and PHEAA has denied the request. 
PHEAA then utilizes the fraudulent Federal PLUS loan Master Promissory Note to obtain Department of Education tax offsets and wage garnishments from the borrower for private loans in violation of Department of Education rules. I was told by a Department of Education Loan Analyst that this is a " handshake '' deal with PHEAA. 
The scheme is initiated by the alleged agreement between XXXX XXXX and PHEAA to defraud borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On, XX/XX/2019, I noticed that there was an account that was reporting to my credit that I had not opened or authorized anyone to open in my name. I contacted Barclays via mail with no response from them initial. It took SEVERAL attempts and SEVERAL phone conversations to have someone in their fraud department look into this account. I received Barclays response, dated XX/XX/2019 a few months later, stated that I was not responsible for the fraudulent account. 

I noticed that Barclays still had the inquire on m credit report from when the fraudulent account was open. Im not responsible for the account, so I'm not responsible for the inquiry one would think. 

I sent a SECOND request to Barclays asking for the removal of the inquiry to be removed attaching the letter they sent absolving me of the account. Barclays response was very auto generated since they would've seen the account notes, Im assuming.

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 2020-02-17 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:
XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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:
XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

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 2020-02-17 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:
XXXX Loans # XXXX is reporting a late in XX/XX/XXXX that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

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 2020-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting a late to my XXXX XXXX account that I should not have. I tried multiple times to get this paid over the phone and online but their website was not working and would not accept payment. They kept giving me the run around and by the time I was actually able to pay a late had already occurred. I would like this late removed as it was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
I have this account since I joined the Military back in XXXX. I never had this account on my credit report but recently I missed a few payments and now they are reporting derogatory on my credit report. I called them on XX/XX/XXXX to ask why my account is closed and why it is reporting negatively. I was told in an email that my account was active and is able to be used for charges. 

Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

A request has been submitted to remove the ACH payment restriction on your account. Your account is active and can be used to make charges. 

Payments may be made by cash, debit card, check or money order at any local exchange. Customers may also schedule a bank draft, or mail their check or money order directly to : EXCHANGE SERVICE XXXX XXXX XXXX XXXX, OH XXXX Please make sure that you include your account number on the check. 

If you have any further questions or concerns, please feel free to contact our 24/7 Customer Contact Center at XXXX, or via email at XXXX. 


Respectfully, XXXX XXXX. 
The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX Visit our online store! www.shopmyexchange.com I was told by the representative that my account was closed because I used a bill consolidation agency incharge. I have always been in good standing with this account. They even took money out of my paycheck without my consent or awareness back in XX/XX/XXXX. I am caught with all past due payments.

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 2020-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have paid without fail, more than the minimum payment to XXXX/Comenity bank every 2 weeks since XXXX 2019. I purchased less than {$2000.00} and was under the impression that I had paid off the account by what I saw on the XXXX customer portal. However, I started receiving collection calls and was told that I owed {$1200.00} and was being assessed late fees. I got onto the XXXX account portal and it says that I owe {$50.00} ... I challenged the person on the line and he got 2 different levels of managers who then said I owed {$1600.00} plus late fees and other fees. I pulled up my bank account and it shows that I have paid {$1500.00} to XXXX. I got onto the Comenity site and pulled down all of my statements they show all kinds of huge interest fees and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
Moneygram closed my account online when I informed them not only of the delays, but also on the fact that Money Laundering activities may be overlayed on top of my transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I refinance my VA loan with SunTrust Bank in XX/XX/2018 due to hardship with payments, as a widow, I didn't have my husband 's income anymore so I decided to refinance the loan to get a lower monthly payment. 
The financing went through and was somewhat satisfied with the results, the payments were lowered from XXXX to XXXX. 
15 months later I was informed that my mortgage had gone up due to not have enough funds in the escrow account and my choice would be to pay the escrow or the monthly payments would go up to XXXX. 
I find myself back to square one with the payments. 
I do not have the escrow amount which is a substantial amount of money for me. 
I have lost 15 years in this mortgage by refinancing for nothing. 
I have tried to contact the loan officer who I dealt with with the loan and haven't got any responses. 
I did contact the Bank and spoke with a customer service representative and got no explanation other than to pay the escrow account and that there is nothing I can do about it. 
I am not sure at this time how I will manage but would like to have some feedback if possible. 
Thank you. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a line of credit with Capital one. They sold the debt to a company, " XXXX XXXX XXXX  '' They reserved the right to sell or transfer the debt. However, they never updated the contract with me to them. I am in a written contract with Capital One. They never updated the contract, therefor the contract and debt is still attached to Capital one, XXXX XXXX XXXX  simply owns it. I am therefor not required to pay XXXX XXXX XXXX, Contractually, or legally. They are holding my credit hostage and do not feel that this is a fair arrangement to wait an additional 3 years for it to fall off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: AR

Complaint narrative:
The company of Vance and Huffman have bought a debt that is well passed to time able to sue. They reported it to my credit with an incorrect date and made it look like it was a new collection not one from XXXX. Also the company to which this debt belonged to is no longer in business, Dissolved in XXXX but no activity since XXXX. The company reported to my file that the collection was opened in XXXX but wasn't reported until XX/XX/XXXX. This company has also called my wife 's cell phone which was not on the loan along with my mother 's cell phone and my brother 's cell phone. In all these call they threatened to sue. It is my understanding that they can threatened something they can not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I really am beyond bewildered with the incompetence of capital one Walmart card. 
1. 3 months to get a new card since XX/XX/2019. Capital one sends me two cards!!! after 3 months. I called Walmart Executive office and they kept my old card opened due to the issues! 
My activate my card. It does not work!!!! 
Both cards in my name only. Calling is a joke. You get people overseas who speak no English and exploit these poor people into slum wages!

Disgusting. On my credit report since capital one took it over shows as a new account when it is not! I closed my other capital one accounts 3 years ago due to horrible customer service. Just horrible. I also filed an OCC and a FTC complaint. I can not even place an order on XXXX because my card will not work. What is going on here. I want a {$100.00} credit in my Walmart card for all the hassles. I can spend my money on XXXX! I have many choices!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/2020 we experienced water damage in our kitchen and called our insurance company to file a claim. It was discovered on XX/XX/2020 that our policy was not renewed/paid out from our impound account through Lakeview Loan Servicing, our lender. After numerous calls to Lakeview, with no less than 6 reps that day, we were finally advised that they had our policy renewal date of XX/XX/2020, when in fact it expired XX/XX/2020. We asked numerous times what our options were in this case, we even paid the policy in full out of pocket that day, and were told by Lakeview that they couldn't help us, even though this is clearly their error on paperwork. All loan/escrow docs had the correct insurance renewal date, but there system states XX/XX/2020. Our agent informed us that there should be forced place coverage from the lender for situations like this, and we still have not been able to get any help from Lakeview on getting this set up. Lakeview has been by far one of the worst mortgage lenders I have dealt with, and we are no closer to resolution. We haven inoperable kitchen, fans, and dehumidifiers and zero concern from the lender that caused us to have a gap in coverage.

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 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I applied for a 0 % interest card with balance transfer offer with american express. I applied online and received immediate approval and the transfer offer. Once I transferred over 2000 dollars and went to make a payment I had interest charges. I called and they put in a dispute, the girl I talked to said I wouldn't be charged any interest while the matter was looked into. They decided since I already have one of their cards that I wasn't eligible and added all the finance charges back. Had I known this I would have borrowed the money and paid it off. I never would pay that amount in interest, I pay all my cards off every month. They only removed the highest interest charge but all the fees add up to almost 200.00.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My home mortgage lender, Mr. Cooper, refused to pay my homeowners insurance premium from my escrow account to the carrier, causing the policy to lapse. I am now without homeowner 's insurance. Mr. Cooper refuses to explain the basis for not paying the insurance premium and is retaining my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have made two transactions with the debit card at gas stations where the pump failed and then I had to wait for the funds to be returned. I waited the five business days and had received none of my funds back. I then called Venmo and asked what the issue was, I was then told that the money was on a 30 day hold from XXXX for both transactions. I then waited out the 30 days and still received nothing. I waited five extra days before calling them again, I was then told that there was an error code that came up when they tried to transfer back the funds. And they didnt have a clear explanation for why. I called two days later just to be told that the engineer team will have to take care of the problem on hand. That the only way to contact them is email but I have to wait for them first. I have then wait 12 days constantly checking my email and not receiving any money or response from their engineer team. I called them again just to hear that the order will be pushed to the top to be resolved. I was then told that everything that was told to me the other time was just bull and that its something wrong on Venmos end. I waited 47 days for my money and still havent received anything. 

Transactions 1 : XX/XX/XXXX in the amount of {$25.00} Transactions 2 : XX/XX/XXXX in the amount of {$20.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 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: UT

Complaint narrative:
I received a letter from Equifax dated XX/XX/2020 requesting for information that I have already submitted. I recently submitted a copy of my driver licence and social security card to try to correct incorrect information on my credit report. 

It appears Equifax doesn't keep accurate records and henceforth, the data breach which I am also a victim. 

I have a physical address of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT XXXX and a XXXX XXXX XXXX, XXXX, UT XXXX. 

Equifax want me to submit a driver license with my P O Box address on it which doesn't make any sense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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: GA

Complaint narrative:
XXXX is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/2019 I saw a check for {$10.00} on my statement which I did not recall writing ; so, I called Discover Bank and the representative said he was going to close the account because there was suspected fraud. He did not even check to see that it was an automatic withdrawal, not a check. That is why I could not pull up the image. He closed the account without my permission causing an automatic payment to Discover credit card to be returned because the account had been closed in error.

I have made repeated attempts to get the bank to admit its error because Discover credit card reported me delinquent to the credit bureaus. Neither of them were agreeable to correcting my credit report which was lowered because of the delinquency.

I had adequate funds and overdraft protection on the new account also. Both accounts are Discover ; so, all Discover Bank needed to do was to change the account number and pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for multiple Citi AAdvantage credit cards due to their advertised perks, sign-up bonuses, and mileage earning on purchases. The terms of these offers were clear and applicable to me, and said that I would receive bonus miles after completing certain spending requirements. I completed the requirements and the miles were deposited in my AAdvantage account per those conditions. 

On XX/XX/2020 I received an email from XXXX XXXX Corporate Security indicating that my Advantage account has been terminated and all of my miles are forfeited, without notice, and that these violations are related to the accrual of ineligible miles and benefits. At the time, I had a large mileage balance of AAdvantage miles that I had earned with my Citi AAdvantage credit cards. 

The AAdvantage miles earning ability and signup bonuses associated with my Citi AAdvantage cards was clearly advertised, and Citibank approved me for these credit cards knowing the AAdvantage program Terms and Conditions. At no point during this process did I participate in fraud, abuse, or misuse. Citibank claims they are unable to help, although they entered in a contract with me to provide those miles. It appears Citibank or XXXX XXXX is uncomfortable with the amount of miles I earned using their promotions, and do not wish to honor their part of the contact.

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