vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received two Direct Unsubsidized Loans. The loans went into repayment status. I filed the IDR application and it was approved. As a result, I am not required to submit any payments to my loan servicer ( Navient ) for a duration of the year. The policy of Navient does not allow me to return some of the over-borrowed amount of the loan, neither am I allowed to direct to the payments towards principal of the loan until I pay off the amount of the interest that accrued as of now. Consequently, it hinders my ability to improve the status of my debt. 
Additionally, I was misinformed about the status of my loans in terms of the interest capitalization. The information that was provided by the Navient representative was inaccurate and resulted in inappropriate actions on my behalf in terms of the management of my loans ( I might be able to obtain the recording of that phone conversation ). On a consecutive call to Navient I was trying to resolve the situation with the supervisor but the situation was never resolved. 
I would like to switch my loan servicer as I believe that the policy of Navient undermines my ability to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TX

Complaint narrative:
Equifax has failed to properly handle our fraud dispute i have submitted 4 letters starting back in XX/XX/2018 about the identity theft.They have violated FCRA i have receipts from the post office that they signed and received my letter. Yet when i called them they notified me they never received anything. I have an account that is fraudulent reporting on my report that has caused me and my family to be unable to rent the companys name is XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE. Its attached to an address in Oregon that i don't live and i haven't. I have been at my current address for 3 and half years here in texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am XXXX XXXX XXXX. On XX/XX/XXXX I have purchased XXXX XXXX Key Programmer from  XXXX website through my PayPal account. I supposed to receive it in 3-5 days but received it on XX/XX/XXXX. The item was defective and did not work. it would give all error messages. I have contacted the XXXX with complain, but they keep referring me to different websites to find support. I asked to give me their address in order to return it but they refused ( emails will be attached ). Later, I have opened a dispute with PayPal. After a while they close dispute without any explanation. I have reopened dispute. PayPal requested evidences for defective item, such as pictures and a letter from the third party indicating that the item is f defective. I have provided all requested documents ( will be attached ) but PayPal close dispute again. I have contacted the supervisor from the claim department and they keep reopening the dispute and closing during all these months. Last message I received was do not open any dispute we refuse to review your case because of not providing sufficient documents. During these time i requested a letter with explanation and what kind of documents they need but did not receive any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AES/PHEAA
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX  XXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was sent a cashier 's check that was fraudulent and had no knowledge of it in XX/XX/2009. As a result of this error I have been blocked, without given the benefit of acknowledging that I had no knowledge that the cashier 's check from what I was told was a student loan stipend, from ever opening an account with Bank of America. I was unaware and made it known to the bank that I received this check, along with an email, that said it was my quarterly stipend. It was my first experience with this at the time and I had no idea that this in fact was not a good check. I would like that block removed from my history with 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 explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.

2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

3. A complete payment history on this account.

4.All original copies reflecting an agreement to pay the alleged debt.

5.Copies of all invoices, bills, and notices concerning this alleged debt.

6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.

7. An explanation of why AES is not reporting on my credit report item is being disputed.

8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.

9. The reason why AES / XXXX XXXX is not accredited with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
In XXXX we filed for Chapter XXXX and a repayment plan. Ocwen Mortgage bought our mortgage in XXXX of XXXX. We came to the end of the Chapter XXXX at the end of XX/XX/XXXX. Ocwen signed all the necessary documents showing the end of this plan. Starting in XXXX of XXXX, Ocwen started billing us for back interest and late payments and any other fees they could come up with. The bankruptcy court notified Ocwen to correct all of these additional fees. They were also in contempt of court due to not showing up for the court hearing. The payment on this loan has not been paid since XX/XX/XXXX due to the attorney telling us not to make it until everything was corrected by Ocwen. Ocwen is hiding all of this and not even reporting it past due on the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
In a letter dated XX/XX/2017, Monterey Financial Services LLC located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA claimed that they have been assigned a debut form XXXX XXXX XXXX for servicing. The debt balance is listed as {$50000.00}. 

We replied with a letter on XX/XX/2017 with specific instructions of providing detailed info re this debt but have never received any response. 

We have never engaged or used XXXXXXXX XXXX XXXX in any way in the past of present and do not believe this debt is ours to pay. 

Since that letter, we have been called on a regular basis by XXXX XXXX XXXX to try and get us to address the debt. Now, this same group is calling relatives in an effort to bully us into paying for a debt that is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Filed with PA Attorney General Office who recommended I contact you. The letter I sent them is stated below : Time-line 1. Opened checking account with TD ( XXXX PA, XXXX branch ) on XX/XX/2018 with {$100.00} cash and was only informed that any check deposits would clear in 2 days with me able to receive up to {$100.00} of the deposit right away. 
2. First payroll check deposited on XX/XX/2018 3. Next weekend ( XXXX XXXX ) I was in XXXX XXXX, and I noticed " holds '' placed on my account for 10 days. 
4. On XX/XX/XXXX I went into the XXXX branch and spoke with " XXXX   '' she made me feel that it was my employer 's bank that was holding my funds, my employer investigated it and stated with proof that the funds were released from XXXX to TD on XX/XX/2018. 
5. I immediately returned to the TD XXXX branch and informed them of this and " XXXX '' stated that the XXXX branch does not have a " branch manager '' who could advocate my case, I said that is ridiculous and attempted to contact TD 's customer service and was told my account was " frozen ''. 
6. I then realized that bills I set up for payment from this account would bounce and incur " overdraft fees ''. 
7. I really felt helpless TD had my money holding it I believe on purpose just to incur " overdraft fees '' a breech in public trust. 
8. I contacted my branch and the TD web site number and was told that TD has the right to hold MY MONEY for 10 days when they see fit. Yet TD never informed me, If I knew that I would not have set up my bills to be paid. 
9. While contacting TD via the internet I came across many customer complaints and I wish I would have viewed prior to my opening a new account. 
I believe TD operates under false pretenses take a look at : http : //www.tdbank.com/XXXX  " Bank Human - If something matters to humans, it matters to us '' TD Bank . Really, I don't think so ; something is definitely changing about the way TD operates. I am just a young guy who is trying to establish himself in this world and institutions that you trust your money need to be held accountable. 

Very Truly Yours, -- -- -- -- -- -- -- -- -- -- -- -- References : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and lots more if one has the time or resources that claim TD is not operating as expected regarding the public trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Opened a Best Buy credit card by Citibank here in XXXX XXXX early XXXX and purchased a laptop and an air cooler worth around {$1500.00}. By mid XXXX I paid off the said amount with interest. By late XXXX, I was shocked to find out that I still have around {$8000.00} balance in my account with them since I never use the card after the first purchase .I called them and talked to collection department sometimes on XX/XX/XXXX. I was told that, an extension card was issued to my strange son, whom I have not seen in years. I argued that I have not applied for an extension card nor sign for anybody. I spent the whole XXXX getting in touch with them to settle the issue but they insist that I am responsible for that credit card. My credit score was badly affected by that account and the balance keep getting higher and higher. 

I am a XXXX years old XXXX veteran who is suffering from XXXX   XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX and this problem with the said credit card is giving me the agony that is too much to handle. 

I need your help very badly. Thank you very much.

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 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
Visa debit card was stolen on XX/XX/2018 and used in XXXX, XXXX at a merchant named XXXX XXXX for several transactions, list following. 
{$1200.00} {$640.00} {$570.00} {$120.00} {$100.00} {$46.00} I contacted the bank that night ( XX/XX/XXXX ) and spoke to Customer Service. Husband was XXXX on military orders in XXXX, so I was advised to get in touch with him to see if he had made these charges because they wer from XXXX. Spoke to husband, and confirmed he hadnt made the charges. 

Called customer service again on XX/XX/2018 to have card turned off and fraud claim submitted. Was told that I should know something within 1-2 business days. 

Wednesday XX/XX/2018 my husband called from his post in XXXX to USAA customer service. He was forwarded a document stating that there would be credits issued for these charges as they investigated. 

Friday XX/XX/2018 XXXX I contacted USAA again regarding the claim. I was transferred to the fraud department, where I was told by an agent that my claim had been denied because the chip card was used and could not be duplicated. 


I called the number listed for debit card fraud, and spoke with a security agent who advised me that all fraud claims that have been submitted for the last two weeks by any of the account holders had been denied. 

I was then given an email address to submit my questions to, and told that the fraud agents could not be reached by phone, not even by other banking employees. 

In the mean time, I am out over {$2700.00} that I did not spend, and am unable to pay any of my bills. 

I was not contacted by email, as it stated I would be, and had to find out that my claim was denied over the phone. And that it would take approximately 72 business hours for the fraud agents to respond to my email. 

Both USAA and Visa claim to have a zero liability policy against fraudulent charges, however they denied my claim. How is this zero liability?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XX/XX/2016, I purchased a refrigerator from Homedepot.com. The appliance arrived, was too big for the space and I asked the driver to take it back. I was told I had to sign for it and make arrangements to have it picked up. When I called Homedepot.com and explained what happeded, they said that I should have refused the delivery and that they would not come get it because I signed for it. I took the matter up with my local Home Depot store and they decided to help me. The refrigerator I ordered was XXXX dollars. I had to buy a new fridge in the store and because my space is that of an older home, smaller refrigerators are now considered custom sizes and cost more. The new fridge cost up towards XXXX. I had to have my credit increased because I did not have a high enough balance to carry both fridges. Home Depot could not credit the first fridge until they picked it up and I could not schedule the deliver of my new fridge until it was paid for. The store kindly offered me 24 months interest free for my hassle. I took the amount of the fridge and divided it by 24 months and set it up on auto pay so that I would not miss a payment. 6 months later, I went to Home Depot and I purchased some flooring in the amount of almost XXXX dollars. I did not realize that the flooring would be on my revolving promotional purchase ( because they don't tell you that ) so in short, the auto pay payments that I was making went toward the floor and not the fridge. When my 24 months was up, I now had a balance on the promotional offer and therefor, all the interest was forwarded to me. My XXXX refrigerator is now over XXXX As the consumer, I was never told that any future purchases made over the next 24 months would affect the promotion. I was offered 24 months because my purchase was over XXXX because I had to carry both refrigerators until I could be credited for the first one. I called Home Depot credit department and asked them to help me and I was told they could not and that I am responsible for the interest. My complaint is, how am to know that any purchase after the promotional purchase effects the bottom line. I was never told this and in my mind, the fridge would be paid off in time and the flooring would accrue typical finance charges. Please help me.

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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I submitted a complaint to you, the company sent a response and CFPB closed the matter. Unfortunately, the response was not accurate, there is no way to contact the person who sent the response. In my opinion this company as sending fraudulent information to you. I would like the opportunity to submit documentation as proof. The company mis-handled my escrow account, allowed my hazard insurance to lapse, paid my property taxes when they were not supposed to ( they were not late ) and as a result increased my house payment to cover their errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
The date of last activity on this account was XX/XX/XXXX. Compass is illegally reporting 120-180 day  lates through XX/XX/XXXX. I have tried to resolve this a few times through the credit bureau dispute process and Compass just ignores my request for correction. See screenshot of my credit report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a letter from a company called XXXX that stated that my personal information had been accessed from one of my employers or some organization like that. It said my social security number and other data had been accessed. It told me that I could get credit monitoring free for one year because of this breach from XXXX. I joined this site with an activation code provided. It asked for the last 4 digits of my social security number, which I was willing to provide. The site seemed to verify my identity in a normal fashion and let me provide a userid and password. However, then it said it was temporarily unable to access my credit data - try again later. I tried again for a week and then called the customer service number. They wanted my full social security number or told me they could not help me ; I wasn't in the system by name. I would not provide the number. It appears to be some kind of scam even though Transunion seems tone involved. If my personal information was illegally accessed, I do want the free credit monitoring but I also want to know who exposed it so I can take some action. Hiding the party that exposed my data seems illegal on the surface.

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 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I was a customer of XXXX XXXX XXXX. They merged with XXXX XXXX and had me sign up for their new program which " would save me money ''. I signed up and the billing had been inaccurate for months. I finally disconnected their services and sent all equipment back to the company as they indicated. After receiving a large bill indicating a substantial balance was due, I called the company and they indicated that there was an issue with billing as the services were still billed under each company separately but only one invoice was sent out on behalf of both companies. After spending 3 hours on the phone with multiple representatives, the issue was resolved. A month later I received a letter in the mail indicating I was owed a balance of {$74.00}. I have since received that letter every month for the months of XXXX, XXXX and XXXX stating the company still owes ME money but they have not issued the reimbursement to date. In XXXX, I received a letter from the collection agency XXXX XXXX on XX/XX/18 claiming that I owe an amount of {$210.00}. I contacted their company to tell them this is incorrect and XXXX XXXX XXXX XXXX actually owes me money. Their representative started laughing and stated that I was incorrect and their documents do not lie. I told him I would submit the paperwork and he said it did not matter and I had to pay the entire balance due. XXXX XXXX XXXX has made a negative report on my credit which has impacted my score substantially and they have now turned a false balance to a collection company who continues to call and send letters demanding payment.

Company response to consumer: Closed with explanation