vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On or about XX/XX/XXXX I discovered that Experian was reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, XXXX XXXX XXXX XXXX, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth which is required. There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it at best is an incomplete filing therefor violating both State and Federal Law. 

On XX/XX/XXXX I sent Experian a letter ( see  attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. The response I received from Experian was they verified it with XXXX XXXX. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get Experian to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to Experian and their reply letter to me was very clear that they DO NOT supply Experian with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XXXX, Experian and XXXX agree as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. Not only is this filing erroneous it is missing ALL of the above mentioned requirements and there is nothing saying wether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required. 

I respectively demand that Experian delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX 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 2017-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management
State: VA

Complaint narrative:
I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, currently did business with PayPal for over three months for my XXXX XXXX. PayPal has closed my account due to I was on an authorized person on another account for the company I was employed with to speak with PayPal for that account. I do not work for that company anymore. 

I personally do not have any money that is owed to PayPal. PayPal said that you will need to hold my money for 90 days. I explained that XXXX has 30 day money back guarantee so why would keep the all of my XXXX on orders that had been shipped and no issues for over 45 days? PayPal said its their policy to hold all your money in case of returns. My Case with PayPal is Case ID Number : XXXX PayPal has closed my account due to my name on a account that I used to work for last year. 

PayPal is holding XXXX of my money and will not return my money. PayPal is not a bank. Nor is it a FBIC accredited. So how can they hold any funds? 

I have spoken with PayPal agent in late XX/XX/XXXX they said it should be released to you. 

I have called them back to see about my funds being released back to me. I explained the situation to to agent about sending my money and she was very rude to tell me I will have to wait because the credit cards have over 90 return for charge backs. 

PayPal has said they I will have to wait 120 more days till I get my money. 

I have waited over the normal time that should be released to me. 

This situation is standard for them, they do this to everyone. here are just a little sample of the issues caused by them. https : //www.paypal-community.com/XXXX Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX Chase Auto deleted a Paid In Full Trade line off my XXXX credit report, which affected my credit score tremendously. I contacted Chase Auto on XX/XX/XXXX and they agreed to but the Tradeline back on my XXXX credit report and still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XXXX 2017, Wells Fargo began taking {$5.00} a month because my savings account was below {$300.00}. I did n't receive clear warning or notice of this fee.

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 2017-11-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX approximately XXXX XXXX sent email about the problem to XXXX XXXX XXXX XXXX credit card. I called at XXXX XXXX XX/XX/XXXX about the problem as well. I explained that according to the balances on my promotions which are no interest if paid in full by a specific date, the balances are exactly the same each month and I pay XXXX a month which is just a few dollars more than the monthly payment. I explained to the customer service agent that the balances were not changing by even a XXXX from one month to the next. Customer service agent said that payments would be applied and a certain amount would be on each balance. I explained the balances were exactly the same each month as though no payments were being made. Customer service agent still holds that the payment is applied to each different balance and in order to pay it so that deferred interest isnt charged for an amount that would run out on XX/XX/XXXX XXXX. Looking at statement on all promotional balances, XX/XX/XXXX statement, XXXX, XXXX, XXXX, XXXX. 
XX/XX/XXXX statement, XXXX, XXXX XXXX, XXXX There were no changes from month to month. With a payment of XXXX a month even if other money is being paid, how is there not one XXXX going toward these balances. Its like they intentionally apply no money to these balances so that the deferred interest of 28.5 percent will be added to your balance when the date of XX/XX/XXXX is reached. How is this any klind of promotion. I understand paying the balance to avoid interest but this makes it a situation where no matter how things are done the consumer has to pay the entire balance of what was borrowed to avoid the interest payments. So if I borrowed on the original balance XXXX regardless of XXXX a month payment every month, I would have to make an XXXX payment that I specifically tell them to apply on this purchase. XXXX was original amount borrowed, At the least this is deceptive, at the most its intentionally making sure the balance always reaches the promotion date so they can add the deferred interest.

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 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. 
My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. 
Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. 
Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). 
The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? 
While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. 
I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I was XXXX for a XXXX and once in XXXX I XXXX XXXX XXXX XXXX in the hospital with multiple XXXX XXXX that resulted in me needing XXXX as well as XXXX on the top of my head. The police officers say I did it to myself in the back of their car at the site of where I was stopped for the XXXX XXXX. They then took me to the police station and called the paramedics and transported me to the hospital against my will per the police report. I dont know how to dispute this bill they say I owe. I believe I was injured by law enforcement and they should be held responsible for my medical bills because I was in XXXX when this happened. I dont believe I am responsible for any of the damage and wish I had an attorney that could fight my case, but I dont have the Finacial means not the time to do so. I just want to put this behind me and this XXXX XXXX XXXX XXXX is threatening to send it to the franchise tax board for collections without me being able to speak with anyone about the manner. Hopefully somebody can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I am a co-signer on an original XXXX XXXX loan obtained in XX/XX/XXXX and now owned by Navient. The primary borrower has been sporadically negligent on the loan payments as of the first year ( XX/XX/XXXX ). The last payment was made in XX/XX/XXXX and due to the consistent decline in my credit score ( solely as a result of this account ) and retirement on my horizon, I am currently attempting to pay-off the loan in full but trying to negotiate a lower pay-off amount. In the past year, I have been called by Navient repeatedly and harassed to the point of hanging up. I have spoken to many representatives and have been informed that my current lifestyle does not reflect a legitimate hardship and, therefore, does not warrant a lesser amount than the full balance. I am currently seeking employment but my monthly debt is being paid promptly and several items have been paid off with the equity of my home refinancing. As a XXXX year old women with a 20-year XXXX XXXX XXXX background, I can assure you, something is gone awry here. At the start of each conversation, I am consistently professional, hospitable and courteous - none of which they have been. As I try to speak, they speak over me. I have asked to speak with someone in management above them and they claim that is not an option. I have asked for an email address to further the conversation and I am referred to their website. I have been told I am lying and that I am " fully capable of making the necessary payment but choose not to ''. By the end of each engagement, I am frustrated and emotional. I have been threatened and accused by their representatives and this is an unacceptable method of doing business. I would like assistance in resolving and closing my account - with intention to never refer Navient or do business with them again! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.

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 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A few month ago I called You Bank of America to ask if windstorm coverage was necessary, since the loan ( {$220000.00} ) to value ratio was low ( home is appraised over {$2.00} XXXX ). The land value alone is valued at more than tree times the actual loan we hold from you. In any case, the answer I received from your office Was NO, no need for it. We changed our carrier because we found that they would included all of our needs in one policy, ( Cars, Collectibles, Umbrella, Contents, etc. ) Now after all is done, you are requiring us to get windstorm!? We even went trough a mayor Hurricane and nothing happen.. not one claim! The house was build beyond the requirements of the building codes. 

We have been for years very good customers, even through hard times! We have been paying mainly interest with very little principal ( that should be illegal ), without complaining. I have spent TWO hours, mainly on hold try to ask to speak to supervisors ; no help, the answer Ive got was to send a letter, by mail! I asked for a name and email NO there is no such thing

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
in XXXX 2011 Wells fargo took {$320.00} from my checking account for an over draft from another checking account that was over drawn, SinceI only had 1 account with wells fargo I protested and was denied any satisfaction. several months later the same thing happened with {$190.00} in my checking account and so forth, every time I deposited oney, I verified with bank there was no over drawn account, it was clear, several days or weeks later it would happen again. Finally we found out there was a 2nd invisible account tied to my checking account that was accruing overdrafts to the tune of {$1400.00}, the account was never closed and kept accruing charges, I paid nearly {$900.00} towards these charges before the bank manager closed the account. then several months later i was being served for debt in the amount of {$720.00}, whereas I was found liable and scheduled to pay this amount, I was able to pay approximately {$380.00} of this afterwards due to a XXXX I was no longer able to work. All told Wells fargo took around {$980.00} from my checking account and an additional {$380.00} from the judgement. I still do n't know if the account is actually closed or not, I can not get a straight answer from Wells Fargo.

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am still having issues with Chase. After closing account for no reason they were providing awful service trying resolve the case. First of all the accounts were closed for no reason which were confirmed by supervisor from XXXX as there were no rapid increase in my revolving balance. Actually it was decrease. Furthermore some information was in dispute which was finalized shortly and according to XXXX it should not be taken into account. On XX/XX/17 I am receiving call from XXXX XXXX from chase credit department. He  was not able to provide any explanation regarding closure of my account but told me to contact chase whenever the issue with credit report update is resoled so they can reconsider the opening my chase freedom account ( One more thing whenever I requested for a review I told them to reopen only chase freedom but their employees reviewed all my account to have them all reopened which I have never requested ). Today I called representative and she after taking couple of minutes told me that she could not have it reopened as it is more than 30 days and she told me that there wasno XXXX XXXX working in Chase credit department. Furthermore it is already 60 days no supervisor called me from their credit card services department and I was told on recorded line to 48- 72 business hours. Every time I was told that they were calling wrong number and I updated it 3-4 times. I know that all calls are recorded and it is one more proof regarding how unprofessional company they are. within 2 month nobody called me from their supervisors. 
Attaching my credit report which only shows 3 percent of utilization. 
plus no feedback and resolution about remaining issues from my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: FL

Complaint narrative:
Since my student loan servicer ACS merged with XXXX, I have not been able to log into the website. I am 100 % positive that my username and password are correct. Even so, I tried the reset function, and the temporary password does not work either. 

I called them last Monday, and they said they were aware that people were not able to log in, and their IT department was working on it. It is still not working 9 days later ( and was not working a few weeks before I called, too ). I 've  noticed many similar complaints online. 

I also just called the automated system to make a payment, and it successfully found my account. As directed, I pushed 3 to make another payment amount. All I receive is an error message there, too.

Company response to consumer: Closed with explanation