vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: DC

Complaint narrative:
On XX/XX/XXXX XXXX I applied for a small personal loan {$2900.00}. I went through the pre-application and the hard inquiry. I provided online ID verification through their system. I tried to provide them access to my XXXX XXXX Bank information by logging in through their special login page. I ran into an issue wherein I was asked a cryptic question that is not one of my bank security questions. I was called by Avant the next morning and I filed an issue complaint with them about the bank login. I received three calls on the following 3 days. Each of these callers had no idea of my complaint. Finally I had to escalate it through a supervisor. I spoke to my bank to verify that this was not a question on my account. I missed a couple calls from Avant that were placed an odd times ; dinner and such. Then on the 7th day I received a email that my application had been cancelled. I called and spoke to a supervisor who quite rudely and shortly told me to reapply. When I said that I would still have the same issue she cut me off and said, " I already told you the only thing you can do is reapply. '' I ended the call. They had my intent to proceed and my complaint filed repeatedly and still they closed my application early and refused to revisit it. I can not reapply because the inquiry without the additional account has pushed down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I graduated college in 2010, 8 years ago with a total debt of XXXX. Now the current principal balance is XXXX? It has been 8 years and I havent even touched the principal on my private student loans with Navient. Also the only federal debt that I have paid off over those years is a grand total of XXXX . I feel as though I have been misled, and convinced to go into certain payment options that did not benefit me any way. There had to have been a misallocation of the money I was shelling out to them over the years. I also have tried multiple times to get them to work with me on repayment options, Income based repayment etc. and have been denied. I have a daughter, wife and home to support and they will just not bend for me. Then it wasnt until today where I did some digging only to come to realize that 3 our of 4 of my private student loans had not only not been paid down, but I owe more money on them now. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle balance is XXXX , XXXX $ added. 

So over the course of 8 years not only were my loans not paid down, I actually owe more now. Do note, during these past 8 years I have been paying them through automatic debit and online. I feel as though I have been treading water for 8 years instead of making any headway on the 9 loans I have with them. I feel as though this company is misleading and of no help to the students that they bound up for life. Pretty unethical if you ask me, if you can help in anyway I would appreciate it. Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Can't get into the Equifax website because the security questions do not match my background. Whenever I send a correspondence in any form, I always get an email in return that sends me to the same website with the same erroneous security questions, that are not in my credit history The email states that I will find the resolution to this issue on the website. The website I can't get into. It also states that if they do not hear from me in 24 hours the issue is deemed closed. The issue is obviously not resolved with no way to resolve it. 

When I call they have the same security questions that are not mine and they will not allow me past that phase in order to resolve the issue that the security questions do not belong to my file. It is a vicious circle. 

I have been long retired and one of the questions is in regards to a student loan taken out in 2017. I do not have a car loan or a home mortgage. Nor do I have a store credit card. I don't know who's credit history they are getting the security questions from but it has nothing to do with my background. They will not talk to me until I answer their questions correctly. How is this issue to be resolved if I can't get through to communicate with an actual person? 


If someone is using my credit history for their own purposes I have no way of finding that out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have 2 invalid accounts from XXXX XXXX XXXX on my XXXX credit report. One is for {$200.00} and one is for {$50.00}. I have done proper disputes on these accounts with XXXX beginning XX/XX/2018. I also filed a request for debt validation from XXXX XXXX XXXX on XX/XX/2018. XXXX has not verified these accounts or identified the original healthcare provider, and continue to verify these false unknown medical accounts to XXXX, the only credit reporting agency reporting this information. 
Verifying information to credit reporting agencies without proper validation is a violation of consumer laws.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I have lived in XXXX  for four years after being a Santander customer for over 10 years, starting when I took out a home equity loan in XXXX and opened a checking, savings and XXXX credit account. I currently have a Santander XXXX XXXX and they are now advertising a new Santander XXXX XXXX XXXX credit card that pays 1.5 % cash back with no foreign transaction fees, which is a higher cash back rate than my XXXX XXXX which currently has foreign transaction fees. They will not allow me to apply for this card as an XXXX  resident, they only offer this card to residents in 12 states. Santander is a National Association and should not be discriminating based on state of residence, especially for existing customers. 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 explanation
Consumer complaint received 2018-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX and XXXX XXXX in a timely manner, but Equifax is taking way too long. I still haven't receive my response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX  and XXXX XXXX in a timely manner, but Experian is taking way too long. I still haven't receive my response from them.

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 2018-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I recently received a letter from XXXX XXXX  ( today XX/XX/ ) indicating that my mortgage has been transferred to XXXX XXXX from XXXX XXXX  XXXX. The letter is dated XX/XX/, but it says that my transfer date is effective XX/XX/. Today I also received a letter from the original servicer and an email confirming this transaction. 

However, I am under the impression that I was supposed to be given at least 15 days notice of such actions, but this is less than that. Is this allowed?

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 2018-08-27 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: CA

Complaint narrative:
I made a purchase for concert tickets through the XXXX app using my debit card from Wells Fargo. The money was transferred immediately to the private seller and the seller never sent me the tickets. I contacted XXXX immediately and they informed me that as soon as the transaction was complete, that there was nothing they could do. I then proceeded to call Wells Fargo and opened a claim. The claim has been denied by Wells Fargo. Neither XXXX or Wells Fargo will refund my {$120.00}.

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 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
In XXXX of this year I went to XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio and borrowed {$1000.00}. It was a payday loan to be paid back in four installments for four months from monthly social security checks. The first payment due was approximately {$370.00} but I paid {$600.00}. After the payment was made I was given a receipt that said I owed {$770.00} as a new amount financed and {$290.00} as a fee amount for a total of {$1000.00}. 

I had intentions of paying this off in two months. They are now telling me if I pay the finance fee only, I will keep getting the same finance fee. To end this they are telling me I have to pay the {$1000.00} with my social security check in XXXX. 

How is it legal for them to charge me {$75.00} more than what I borrowed after I have paid them {$600.00}. 

I have called the office and the corporate office only to be told the same payoff information from everyone I have spoken with. My last contact 's name is XXXX and his phone number is XXXX. He said he received his information from the corporate office. 


I have tried getting all my paperwork but I keep getting told different places to contact for it and when I do they say it is not their department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PMAB,LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. My card ends in XXXX. The account was closed bc of a fraud alert by my three major reporting agencies. This was a secured credit card which was funded directly as an ACH transfer of funds ( XXXX  ) Ive never used the card and it has a XXXX   balance. I was never notified that the account was close and it was embarrassing to experience a decline. I called and spoke with a senior manager of escalations within the fraud department named XXXX. employee id XXXX the call took place on XX/XX/18 around XXXX EST. She wasnt able to let me know when the refund would occur or what process it was going to occur. Im extremely dis satisfied with the outcome of this company and promise to never continue doing business with your brand again! You could have just asked for verification of my identity if there was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: WI

Complaint narrative:
TodayXX/XX/2018 I called Discover since I have a discover card about why I couldn't take out some money out of my account, they come to tell me without even telling me or notifying me that they closed my account today. Right now I have someone I know well helping me pay for my card and he made a payment of XXXX XXXX twice and Discover rejected both payments. Now this is a bit too much for me, esp closing my account without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
To whom it may concern, My loan was modified permanently on XX/XX/XXXX, after I made 3 consecutive trial payments.

Im filing a complaint against Ocwen for Misreporting and negatively impacting my 3 major credit bureau records. On XX/XX/XXXX, we were told by Ocwen agent XXXX  ID # XXXX, that the account had started to report current as of XX/XX/XXXX. However after printing a portion of my credit report which best reflects Ocwens reports, clearly show that the account is and has been reporting as over 190 days + late since XX/XX/XXXX.

We are seeking for this matter to be immediately researched and for corrections to be sent to all 3 major credit reporting bureaus : XXXX : XXXX XXXX XXXX XXXX, GA XXXX   XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX PA XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has not provided me with my account statements for my Prima Interest Checking Account # XXXX  despite three requests. The last paper statement I received from the bank was for the period XX/XX/XXXX thru XX/XX/XXXX. I need all the periodic account statements startingXX/XX/XXXXthereon thru to the account closing statement dated XX/XX/XXXX. In addition, I need a copy of the account opening documents ( Personal Signature Card with Substitute Form XXXX  ) bearing my signature.

I also need a statement for my Investment CD Account # XXXX XXXX XXXX XXXX, which again was never mailed to me.

The statements should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-08-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I found out for the first time that my credit report from XXXX had report of serious delinquency regarding a Chase/XXXX XXXX  credit card with numbers starting with : XXXX.

When I called Chase phone number, XXXX which appears on that entry, I was told to call Monday to Friday.

I called back on Monday XX/XX/XXXX at XXXX and I was transferred to Chase credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my XXXX credit report, an account that I never opened or used and that it has been harming my credit since XX/XX/XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a Chase customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report?

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address?

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA is collecting for XXXX XXXX. I don't owe XXXX XXXX. I have informed EOS of that from the moment they first made contact. I have asked them to prove that I owed XXXX but they just ignore me and keep attempting to collect this debt. XXXX XXXX gives all customers a 14 day ( from date of purchase ) trial period to try out the phone and XXXX XXXX without incurring an early termination fee. I terminated and went back to XXXX within the 14 day period and verified that with XXXX. EOS CCA has and is ignoring my pleas for debt validation and continue to report this to the credit bureaus despite my pleas, disputes and presentation of accurate information. They also re-aged the account to do maximum damage to my credit. I have asked them to validate the debt numerous times but they will not listen. When I just recently contacted them to try a different route they stated they could not delete this and that the only people who can delete this is the credit reporting agencies. They continue to give me false information and ignore my requests for validation. All the while they report derogatory remarks while knowingly in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
To whom it may concern, I have reported a few unauthorized charges on my paypal. In regards to their response they still insisted that there was no suspicious activity and that I was to be responsible for those charges I did not make which I think is very unreasonable. They have not provided me any information with regards to their investigation as to why was my claim denied. Again I will attach all the unauthorized charges I have reported.

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