vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I am a Military service member stationed in Louisiana since XX/XX/XXXX. According to Louisiana state law all creditors can only charge me a max interest of 6 %. I have a Military Star Card and my interest rate is 11.99 %. I notified the exchange credit program and sent them a copy of my orders and the state law and they thought I was a XXXX and refunded me {$200.00} in interest for the months of XXXX, XXXX through XXXX, XXXX. They then put my interest back to 11.99 % and told me to let them know the next time I am on orders. I explained to them that I am XXXX XXXX and they owe me much more of an interest return and they have to reduce my interest to 6 % and leave it there until one year after I XXXX  in accordance with Louisiana state law. They realized the mistake and returned an email to me saying that they would comply with the adjustment and refund. I have copies of all the emails. After getting the runaround for two more months they then emailed me and stated that they do not have to comply with the state law since they fall under the federal government. They are a credit card that charges interest and reports to credit agencies. Is it true that they do not have to comply or are they just making an excuse to maintain profits?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. 
Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I was reviewing my Equifax credit report and there were 3 old accounts listed that should not be on there. Under the Fair Credit Reporting Act, old accounts can not be on your credit report after 7 years. Two XXXX XXXX  accounts are over 10 years old and the XXXX XXXX account is over 20 years old. These same 3 accounts are not the listed on XXXX or XXXX. 
The information on the XXXX XXXX  accounts and the XXXX XXXX  account are incorrect. These 3 accounts were paid off as part of a debt repayment program called XXXX XXXX XXXX XXXX XXXX. Attached is payoff information sent to me from XXXX XXXX XXXX along with my XX/XX/XXXX XXXX credit report that shows incorrect information as well. 
You can also reference reference prior reports to CFPB for more information. Report number XXXX on XX/XX/XXXX regarding Equifax and report number. 
XXXX on XX/XX/XXXX regarding XXXX XXXX  can also provide more information and detailed back up on this issue. 
It is against the law to not only provide incorrect information on credit reports, it is also against the law to post old accounts for 10 to 20 years on a credit report. This information is affecting my credit negatively and prevents me from getting credit cards and other things that are based on your credit score. It appears that Equifax is deliberately trying to intentionally do this considering these 3 accounts were part of a debt repayment program and they are not listed on any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I used the Experian website to temporarily remove a credit freeze on my account. The website told me my credit report was temporarily unfrozen for the time I requested. The credit union attempted to pull a credit report but was denied. I received an email from Experian telling me that they declined access to my credit report. I attempted to call Experian using various phone numbers and can not get out of the voicemail application. There is no selection that addresses my problem and I can not get a 'live ' operator or customer service representative. All I get is a message to mail a letter to them and explain the problem. Why can't we contact the credit bureau and why are they allowed to run their business this way?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
After total loss accident Hyundai Financial asked {$11000.00} to release the title to insurance co. Insurance Co valued the car XXXX after {$1000.00} dedactible and paying {$11000.00} to Hyundai financial mail the balance to me. After Hyundai Financial released the title sent me {$1000.00} bill as a dedactible payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: IA

Complaint narrative:
I have had repeated calls from this company after I told them I disputed the debt through the original company as well as them. They continue to call without verifying first which violates the fair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Earlier today XX/XX/2019 l received several transactions through Cash App that went through ok. All of a sudden when one of my customers was trying to pay me the transaction was declined. Then the app shut down and l am no longer able to accept additional funds, and the funds that have been deposited into my account I am unable to retrieve. This is the second time that l have had a problem with this App within the last month. And this time my funds are frozen within the App and there is know one to call or speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my existing mortgage from XXXX XXXX XXXX, serviced by LoanCare, to another company, XXXX. In this process, I have a remaining balance in my escrow account of {$800.00} that has not yet been returned. The loan funded on XX/XX/19. I obtained the loan payoff agreement from LoanCare which explicitly states " A refund of any remaining money will be sent to your address of record within 10 business days '' ; however, this time has since passed. Upon calling LoanCare, the representative advised the policy is 20 business days and that this is according to their policy despite what was sent to me as the loan payoff agreement. She then placed me on hold and returned to the line before advising the policy is actually 15 calendar days. I explained once more that a written agreement can not be verbally modified after the fact and also noted that even 15 days have passed since this period. She then transferred me to XXXXXXXX   ' in the escalation team who then reverted back to the 20 business days and when asked why it takes so long to return my money considering they received a wire from the title, he could not answer. Further, when advised of the written agreement from the loan payoff, he could not answer their either. When asked when they intend to send the money, they stated it would be the XX/XX/19 at the earliest. This is contrary to their documented time frame and unjustly holds onto money they are not entitled to and unjustly enriches them with them opportunity to earn interest on funds they are delaying in returning to the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
yesterday XX/XX/19 i saw an add on XXXX XXXX for a onewheel skateboard that had been posted. the seller and i agreed on purchase price with shipping but said he needed to use XXXX to process payment. He called from number XXXX, had me also use a number or XXXX and also when searching these numbers to make a police report and figure out where to call XXXX mentioned outside US contact numbers similar to one i got today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX email was XXXX the bank states they are responsible due to " laws/acts '' " whatever '' I am floored beyond belief and not in a place of course like everyone to be scammed out money. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I'll focus on the most recent activity regarding this complaint and will also leave out my last complaint that has still gone unresolved. 

After calling customer service around XXXX/ XXXX, I was told that I needed to request PMI removal via email. In XXXX, I submitted that Email and was subsequently sent paperwork to sign to the affect that I would pay for an appraisal. Paperwork subsiquently signed, submitted, and appraisal done my New Rez selected appraiser. 

In early XXXX, I received a letter from New Rez denying my request for PMI removal. Even though I meet all the requirements from what I can see and their own customer service can see. 

I called last week and was put on hold for an extended period of time. This week I have called 4 times to the number provided in the letter to try to speak to someone about removing my PMI and finding out why I was denied. The number goes to their customer service and I'm told various things from a supervisor can help me to they have no way of getting someone from the " correct department to call me ''. I was told 3 of the 4 times that I would receive a call back from a supervisor. And that I would have to wait 24-48 hours for a call back. On my 2nd call, I asked if I missed the call would they call back or how I would be able to get ahold of them. I was told I would have to just call back into customer service and put in a request for a call back again and to wait 24-48 hours. But not a single call came after the first 3 calls. On my 4 call this week I was was given the honor of being graced with a supervisor to speak with to tell me he couldn't get in touch with the right department and the only thing I could do is send an email again. 

Following the call I sent and email and expect it to take another 30-45 days to receive another form letter, not, relevant to my case. As my experience with New Rez earlier in the year provides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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.
State: TX

Complaint narrative:
I am 1 a XXXX an XXXX XXXX XXXX  in a XXXX college. I was told by Navient that I could apply for forgiveness an I would qualify. Well I was rejected an the stared to just TAKE MONEY. The took my entire paycheck from the XXXX  after working Hurricane Maria for 5 months with XXXX XXXX XXXX as a XXXX XXXX. All XXXX dollars to pay my bills from working in Puerto Rico. An I applied again an they just made my payments go up an tacked on interest with a massive CREDIT REPORT negative marks for almost 2 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I have been in a financial hardship so I was late on making a car payment. My car had some repairs. I asked if I can get an extension if I was to make a payment? USAA rep says they can not guarantee I then ask well how can I get an extension? XXXX the rep I spoke with on XX/XX/XXXX says I have to be current. I then say ok so if I make a payment am I able to get an extension? XXXX then says she can not guarantee. <<<so either way she is saying no. I then get this email stating the opposite. You can not get an extension if your past due. What???!! I just asked if I could if I made a payment. This is a deceptive practice I was able to get one a couple years ago but now they dont know if I can? Rep is lying then sends me an email. Please get involved w Usaa and please advise them of the deceptive and unfair treatment they are doing with their consumers. This is not right and need to be sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bayside Credit
State: NV

Complaint narrative:
On XX/XX/2019 At XXXX I got a call from BaySide Credit The name of the representative is XXXX  , I was threatened that they were gon na take legal action against me, I was told by XXXX  that they were going to take me to court and garnish my wages. 
I offer to pay {$100.00} a month but my offer was not accepted, I was pushed to come up with {$250.00} to make the payment and to settle the account for {$1000.00} payment was supposed to be made on XX/XX/2019 even knowing that I'm a single  mother working hard as well to get back on track, however on the second call I got with BaySide Credit on XX/XX/2019 at XXXX, I spoke to a representative first, he forward the mgs to a manager XXXX who came out with an option to pay {$500.00} in 2 payments, I told them that I was not gon na be able to pay the {$250.00} so I ask to lower the payment again for {$100.00} until balance was paid off in full not with the settlement, however XXXX  got into the call again and told me again that they were not gon na work with me, they were going to go against me and take me to court and garnish my wages, when I ask to work with me with the full balance of about {$2600.00} or so.. he mention its going to take you over 2 year to paid off, i told him I didn't care that I will prefer paid.. then have it on my credit for 7 years, he put me on hold, came back and ask me again  for another balance that I can't paid he ask for {$150.00} to settle the acct in 18 months I told him once again that I could not do more then {$100.00} I have my family as well. But he stated that there was nothing else to do and I end up the call. Now I'm scared that they are going to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation