vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: TN

Complaint narrative:
On XX/XX/XXXX I went to an ATM to access my funds that were deposited on XX/XX/XXXX. I was unable to access these funds because my card was expired on XX/XX/XXXX. I had not received a replacement card prior to XX/XX/XXXX. Upon calling the Go Program Customer Service number at XXXX, the first person I encountered tried to charge me {$5.00} for an additional card to be sent within 7-10 business days, OR {$10.00} for a card to be sent to me within 5-7 business days. This fee was finally waived when I asked the first agent to speak to his supervisor. He placed me on hold, came back and announced he could waive the fee. Upon asking me if I had anything else he could do for me, I said yes. I needed my Online Account unlocked. The agent said he would issue a ticket to fix this problem and it would take up to XXXX business days to resolve. I told him this was completely unacceptable since I rely on these funds to pay my bills and feed my XXXX children, and that these funds were supposed to be available to me on XXXX, and MyGoProgram was denying me access to my own money. I asked to speak to the Information Technology department personally to resolve the issue immediately. I was informed that my request was an impossibility since there was no way to access the IT department by phone. I was then transferred to a 3rd Agent, who, after explaining what I had been through with the other 2 agents, offered to expedite the sending of my new card and has guaranteed the delivery of my card by XX/XX/XXXX by XXXX. She also stated that when I activate my new card, then the ability to transfer funds electronically would be unlocked online. 

The problem with this company firstly, the expiration status of my card should not be electronically connected to the access of my funds online. Second, the IT department should be accessible immediately for families like mine who depend on their funds to be available to them when promised. Thirdly, the amount of time, the extent to which I had to complain including a total of 3 different agents is unacceptable customer service. This company operates under sub-standard policies, have only their own best interest in mind, and have poor access to urgent functions such as IXXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: RI

Complaint narrative:
M & T Bank paid for a years worth of taxes when they were only billed quarterly by the town. They said they tried to take advantage of a 2 % discount on the taxes but because this overdrew my escrow I now have a shortage of {$3200.00} that increased my monthly payment by {$260.00}. They arent doing anything to fix it.

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 2019-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Have been dealing with XXXX XXXX for 15 years!! We have had NUMEROUS problems with getting incorrect information, Improper distribution of loan payments, Unauthorized payments taken out of bank, Harassing and threatening phone calls ( sometimes as many as 7-8 times a day!! ), Changing terms/payment amounts without notice just to name a few. When we call or speak to someone from Navient, we will set up payment agreement, but then the next time we speak to someone, there is no record of any agreements. They have multiple call centers across the US and there is either no centralized records or improper documentation of the call. Most recently my wife set up payment arrangements on XX/XX/2019 however they claim this was only monthly payments and did not work to bring the account current, from what the claim were missed payments!! Often when we do make a payment ( There are 3 loans ), they would only distribute payment to 1 or 2 of the loans, causing the third to become late/delinquent. In XXXX I was deployed with military and due to issues with pay ( Not paid ) we were unable to make the payment. We called to make them aware and set up something  and are just now being told that no payment was made in XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PR

Complaint narrative:
I have a XXXX debit card. After I used it a couple of times, there was a problem with my physical address. The company asked for certification from an official government document. After a couple of months trying to get it, I finally did. I send the document in an email and waited 48 hours to contact them. To my surprise the number on the back of the card is suspended. I tried another number but the representative told me that it was another department and he could not help me. I tried accessing my account online and the card is inactive. So I want to talk to them to resolve this matter but don't have a way to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX from the executive customer relations team sent me a form letter and failed to resolve the customer service issues of my complaint. The XXXX from customer service is at extension XXXX, He left me a voicemail in XX/XX/XXXX, and today we were on the phone ( after I've sent him numerous voicemails ) and the call was disconnected. We had not yet addressed the concern. I called back and left yet again another voicemail for XXXX. I called a supervisor with Capital One and they told me they contacted XXXX and he refused to speak to me. The call was disconnected mid sentence and he won't even finish the phone call. It was on a recorded line. The company has failed to address my concerns around customer service numerous times and now just evades my contact. As a consumer Capital One is engaging in predatory behavior. They ran my credit, to open up a credit card, are not addressing my concerns and now refusing to talk to me about the issue. Besides XXXX the following representatives have failed to listen. You can hear in recorded phone calls them flat up denying to investigate what I allege I was told. THe rep names and ID 's besides XXXX whose name and extension are above are : XXXX XXXX XXXX XXXX Shy XXXX XXXX XXXX XXXX XXXX And once again XXXX with executive customer relations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Management Services INC is a debt collector that purchased by charged off auto loan. When they purchased it they also reported to my credit bureau. and re-aged the account so it appears as new debt. It does not specify or reflect the original charge of date therefore lowering my score. Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
This particular agency isnt fallowing regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.

Complaint narrative:
{$350.00} incoming payment to cash app. Cash app denied my payment on purpose and there is no customer service to talk to about this. They then put the money on hold for 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I opened an American Express Serve account in XX/XX/2019. After several weeks, on XX/XX/XXXX I received an email notice stating that my account was permanently suspended for " activity that was in violation of the Serve Member Agreement. '' I really don't know what that activity was, since all I did on the account was make some deposits and withdrawals. I called the number in the email, and the person I spoke with told me I was not possible to inform me the reason for the account suspension. 

I received a separate email a few hour later, also on the afternoon of XX/XX/XXXX, stating the following : " Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. '' Since that time, I have received automatic email reminders every Thursday indicating the balance in the account ( {$5.00} ), even though it is permanently suspended. 

I called American Express Serve at ( XXXX ) XXXX on XX/XX/XXXX to find out why the funds had not been returned to me and the gentleman I spoke with told me a check had already been issued. I waited two weeks and called again, on XX/XX/XXXX. This time, a supervisor, XXXX, told me that no funds had been issued to me and that American Express will not be returning the money. He claimed that the term of service I subscribed to give American Express the right to take the money and turn in over to the state. I could not find any such language in the agreement he cited. 

The representatives I have spoken with have insisted that I must write a letter to an address in Florida to know why my account was suspended. I have explained over and over that I do not need to know why they saw fit to suspend the account -- that is their concern -- I just want my money returned as I have been promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened an account online which was supposed to give me a bonus of {$100.00} in XX/XX/2019 after I met their requirements. I met their requirements in XXXX and they said they would send me a check because some how the online code didnt work and it would be about 30 days and gave me a reference # XXXX. So around XX/XX/XXXX I called back and they had me on the phone for over an hour trying to figure it out and couldnt find the reference #. They again gave me a new reference # XXXX and said it would be expedited so I should have something within 2 weeks. Still nothing. Called back on XX/XX/XXXX and was on the phone for a half hour while they tried figuring it out again. Told me it wasnt ready yet and in review. Then I received a call on XX/XX/XXXX and they said it's still in review and they will call me when they have a decision. It shouldnt be in review I met all their requirements and have 2 reference # s from them saying they were gon na send it out.

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 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paid someone a {$130.00} through PayPal friends & family and never received the item ( concert/XXXX XXXX ticket ). Seller promised a refund and then disappeared. Unable to initiate a claim through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX have been a victim of Identity theft and have been trying to resolve this problem with XXXX AND BANK OF AMERICA. I have submitted more than enough evidence to have this fraudulent account removed from both parties. None of these companies have resolved my issue and have violated my rights under the Fair credit reporting act and the Fair credit billing act. I have submitted complaints with the federal trade commission and my local police department regarding my concerns. I have sent them everything that is required by law to remove any fraudulent account and they have ignored my request.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
WHEN MY WIFE AND I BOUGHT OUR HOUSE, PART OF THE APPROVAL FOR OUR LOAN WAS THAT WE HAD TO PAY OFF A FEW OF OUR CREDIT CARDS. WE WROTE ONE CHECK TO XXXX XXXX  XXXX  WHO WERE THE ONES THAT DID OUR CLOSING, THEY CUT ALL THE CHECKS TO THE DIFFERENT ACCOUNTS WE WERE PAYING OFF. ALL OF THE CHECKS WE EITHER MAILED OR PAID IN PERSON, THEY ALL WENT THROUGH JUST FINE EXCEPT THE XXXX  ACCOUNT THAT IS THROUGH COMENITY BANK. I WENT INTO XXXX  AND HANDED CHECK NUMBER XXXX IN THE AMOUNT OF {$1500.00} IN PERSON AT THE CUSTOMER SERVICE DESK TO PAY OFF MY COMENITY/XXXX CREDIT CARD. I HAVE GONE IN THERE MANY TIMES AND PAID IN PERSON AND NEVER HAD A PROBLEM. THE XXXX EMPLOYEE AT THE CUSTOMER SERVICE DESK PROCESSED THE PAYMENT, HANDED ME THE RECIPT AND I LEFT. I RECEIVED AN EMAIL SHOWING A XXXX BALANCE. I RECEIVED STATEMENTS SHOWING THE PAYMENT POSTED AND I ACTUALLY HAD A SMALL CREDIT OF {$1.00}. 
ALL OF THE SUDDEN I START TO GET COLLECTION CALLS AND STATEMENTS SHOWING I HAD TO PAY AGAIN AS IF MY MONEY I PAID HAD COMPLETELY DISAPPEARED. I TRIED TO DISPUTE THIS WITH COMENITY BANK. I HAD TO INVOLVE THE ATTORNEYS OFFICE WHERE THE CHECK WAS FROM. WE ALSO INVOLVED THE BRANCH MANAGER FROM XXXX XXXX. THAT BANK IS THE BANK THAT XXXX XXXX XXXX USES. THEY SENT CERTIFIED LETTERS WITH THE BANK STATEMENTS, COPIES OF THE CASHED CHECK. IT WAS VERY OBVIOUS THAT THERE WAS A PROBLEM. AS YOU SEE ON THE BANK STATEMENT, THE CHECK WAS PAID ON XX/XX/19. THEN ON XX/XX/19 THE CHECK WAS ATTEMPTED TO BE PAID AGAIN WHICH WAS FLAGGED. ON XX/XX/19 THE RETURN CAME THROUGH TO WASH OUT THE SECOND ATTEMPT BUT THE ORIGINAL PAYMENT XX/XX/19 WAS PAID. XXXX XXXX AFTER TRACING BACK THE CHECK WITH SECURITY FOUND IT ODD THAT XXXX  WOULD HAVE TWO BANK ACCOUNTS. ONE WITH XXXX XXXX  AND THE OTHER WITH XXXX XXXX  XXXX. IT WAS STARTING TO SHOW THAT SOMEONE DOING THE BANKING EITHER MADE A MISTAKE OR DID STEAL THE CHECK. XXXX DOES NOT USE XXXX XXXX. THEY ONLY USE XXXX   XXXX XXXX. THE CHECK WAS PAID TO THE XXXX XXXX ACCOUNT. 
I WAS ABLE TO GET THE BANK ROUTING NUMBERS FROM BOTH BANKS WHERE THE CHECK WAS PAID OUT TO AND WAS ATTEMPTED TO BE PAID OUT TO. 
WE SPENT HOURS, DAYS AND MONTHS TRYING TO RESOLVE THIS. I AM ABSOLUTELY JUST FRUSTRATED. COMENITY WILL NO LONGER HELP ME. THEY HAVE NOW SENT ME TO COLLECTIONS. I NOW HAVE XXXX   INVOLVED BECAUSE APPERANTLY WHO EVER DOES THE DEPOSITS AS YOU CAN SEE IN THE EMAILS, HAS DONE SOMETHING WITH THE MONEY WHICH IS STILL UNDER INVESTIGATION. POSSIBILITY FRAUD BUT NOT SURE. ALL I KNOW IS I PAID THE BILL OFF. I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT PLEASE. 
THANK YOU. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX with Bank of America Credit department reduced my credit card limit by {$15000.00}. I have had the card for 15 years and never had one missed payment up to that date. The reduction of credit was done as a result of me asking to have a lower interest rate and having won an arbitration against Bank of America in the past. Clearly retaliation on two fronts. The retaliation has caused me financial harm by causing my credit to be lowered and caused me liquidity and cash flow issues. 
Bank of America took a bailout from the U.S. taxpayer and now rips off the American taxpayer with predatory credit card interest rates and retaliates against employees and former employees. Clearly the government bailout of Bank of America led to the retaining of corrupt management which abuses the American general public.

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 2019-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I recently decided to increase my student loan payment with Nelnet to pay it off sooner. When I reviewed my payment history ( attached ) online today ( XX/XX/XXXX ) I realized none of my previous payments were being applied to principal. I called Nelnet and discussed this issue with XXXX. He was very helpful and understanding but unable to remedy the situation. He admit ( on a recorded line ) many times that the loan was originally incorrectly input into their system and I should have had larger payments which at the very least covered the interest ; that's right, the payments didn't even cover the interest! These payments began 4 years ago on XX/XX/XXXX. Nelnet 's solution was re-calculate ( not the right term ) my loan and divide the payments by the remaining 20 periods which increased my monthly payment from {$55.00} to {$1000.00} ( attached ). I did not request this even though the e-mail from Nelnet ( attached ) says I did ( again they recorded the phone calls ). That's obviously an unreasonable ask and leaves them without any fault, even though this entire situation was their admitted mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: IL

Complaint narrative:
Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief