vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Note : The selections for my type of complaint were not exactly what has occurred so I chose the closest. 

I am trying to pay off debt but can not get Transworld Systems Inc ( TSI ) to send me a current statement. TSI is the debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any statements from TSI since XX/XX/XXXX. I received a letter from the US Department of the Treasury ( dtd XX/XX/XXXX ) indicating my tax refund ( {$420.00} ) was applied to my debt. 

I contacted TSI ( XXXX ) XXXX by phone 4 times in XX/XX/XXXX : 1 ) XX/XX/XXXX/XX/XX/XXXX - I did not document date and person I spoke. I requested a statement be sent to me. I believed they would send me a statement so I could payoff the debt. A statement was not sent to me. 

2 ) XX/XX/XXXX, XXXX XXXX PST. Spoke with XXXX. I told XXXX that I had previously called requesting a statement be sent to me. She was able to see in their system that I had previously called. She indicated that statements had been sent to me and she didn't know why I had not received them. 
She said another statement would be sent to me. A statement was not sent to me. 

3 ) XX/XX/XXXX XXXX XXXX PST. Spoke with XXXX. I explained to XXXX that I had called two times before requesting a statement be sent to me. XXXX indicated that a form had to be submitted by customer service rep and that the prior reps had not submitted the form. XXXX said he would submit the form so a statement could be sent to me. 
A statement was not sent to me. 

4 ) XX/XX/XXXX. Spoke to XXXX. I explained to XXXX that I have called 3 times before requesting a statement and that I have not received one. I  requested to speak with a supervisor but XXXX said a supervisor was not available. XXXX indicated that statements have been sent to me but asked if I had opened all the mail I receive because their statement look like junk mail. I asked if there was a way they could email me a statement or if there is a way that I can pay online and was told no. XXXX promised I would have a statement within 2 weeks. A statement was not sent to me. 

I still have not received a statement. I don't understand why TSI will not  send me a statement. It seems as if they want interest and penalties to accumulate and then just take additional money from my tax refund. 

My intent is to resolve this debt as soon as they send me a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: WI

Complaint narrative:
My inquiry involves a debt : Unknown, no information available from credit agencies or initial correspondence. 

The nature of my concern : Commonwealth Financial Systems sent me a letter on, or around XX/XX/XXXX alleging that I have a legal obligation to pay them a debt from one of their clients. Per the information provided in their initial correspondence I am undoubtedly confident that the debt they allege I owe is false, inaccurate, and made in bad faith as an attempt to collect on a false debt. 

I submitted a dispute letter via certified mail on XX/XX/XXXX to which Commonwealth failed to respond. Following their subsequent failure, I disputed their listing on my credit report, which was promptly removed for their failure to submit evidence of their claims to the ( 3 ) credit bureaus. 

On, or around XX/XX/XXXX Commonwealth has again appeared on my credit report without sending me a letter or a phone call which I am happy to validate upon request ; their fraudulent listing has since been disputed - again - as of the date of this complaint. I fully expect their fraudulent and bad faith listing to be removed from my credit report within the next 30 days. 

I kindly request that the XXXX take this complaint with my testimony above to investigate Commonwealth Financial Systems for their categorical abuse of the FDCPA and harassment of Wisconsin consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashable LLC
State: NY

Complaint narrative:
Loan ID # XXXX Predatory practice during this current Govt Shutdown. Sells and markets to federal employees and it's business model is geared toward federal employees and will not assist nor work with loan holders during this government shutdown. Only offering to waive late payment fee. 

Kashable 's actions and response prove they are determined to ruin the credit of fedral employees with negative credit reporting during the Government Shutdown. 

Lenders across the USA are offering assistance by delaying negative credit reporting. But Kashable, who markets TO federal employees will not help in regards to preserving the credit profiles of its government customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Sometime in XX/XX/2014 there was 2 accounts that was opened in my name. Did not know about this debt until recently. I called the debt collector and explain the situation and asked them to provide where I signed my name and copys of my drivers license proving the account was mine. I have also had someone stole my personal information in XX/XX/2014 at tax time. The company only sends me copys of the bill but nothing with the original contract when the accounts was opened. I want these two accounts removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a loyal customer from Chase Bank for 6 years and for no reason that I can think of they closed down all my accounts my checking saving and all my credit card accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For the last several months I contacted Wells Fargo bank including it's Executive customer service dept. several times. Last time I talked to them 2 days ago - on XX/XX/2019. The problem is the same. They refuse to unlock my online account without apparent reason. ID verification in the branch is not good for them anymore. They privet into my privacy more, asking to provide them with my personal information which has nothing to do with my ID or access to my account. Basically, the bank discriminatively ban me from my own account. Bank knowing it is acting unlawfully, refused to provide a written respond to my inquiry in regard to this ban.

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 2019-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX  monthly. Got a report it increase {$800.00}. No notification why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Pre-approval offer sent in mail. Applied, no decision was given and application was put into a pending status. No decision received at any point. More than 30 days have passed. Hard inquiry placed on credit report, no account opened and no XXXX received. Capital one improperly accessed my credit report without providing a decision as well as sending me repeated ( i have received since the application including this week ) additional pre-approval offers even though they have not even given me a decision from when i applied from the first preapproval

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: FL

Complaint narrative:
I have a credit card with XXXX that I keep making payments on but they turned my account over to a collection company. I still dont have the money to pay this debt. 

Hurricane Irma hit this part of Florida and I lost my food in my refrigerator but FEMA doesnt replace food. 

My car has been repossed so I have no way to work. 

I pay $ XXXX to XXXX but since it's not the full amount they turned me over to a collection agency which doesn't help me pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Multiple contacts with TD bank were left without action by the bank, even some were not recorded. Latest complaint was made on XX/XX/2019 with XXXX XXXX in Chairman office who informed me that the bank likes to track customers ' IP addresses if they are abroad. From me the bank is asking for telephone number, otherwise blocking access to my account. This is an outrageous violation of privacy, rights and freedom of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: CO

Complaint narrative:
I am following up on the Public Service Loan Forgiveness program. In a conversation on XX/XX/XXXX with the Federal loan program ( Direct Loans ), I had inquired about the PSLF. I was advised to make the 120 qualified payments with an eligible employer and to enroll in either the standard payment plan or income-contingent repayment plan. When I submitted my form last year after making 120 payments, my application was denied stating that I was enrolled in an incorrect repayment plan. I made many decisions based on the PSLF, as I completed my graduate studies in XX/XX/XXXX, when the program was first being rolled out and regulations were still being set. I believed I was following rules and would periodically check federalstudentaid.ed.gov to ensure I was on the right path. Being told last Fall that I was not eligible because I was not enrolled in the correct repayment plan was devastating. Is there any recourse for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust Mortgage is not recognizing my account with them established online. Entering correct username and password produce message that they do not recognize me. Going through their forgot username/password routine produces questions re : loan number, SS # and security question/answer. Entering accurate information produces error message that they do not recognize account. Calling them produces response that customer service is only open from XXXX XXXX weekdays. Unacceptable for an online information account. If they do not recognize my loan number and account, I suppose I no longer have to recognize that I have a loan with them and can suspend all payments.

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 2019-01-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to put credit freeze with all three credit companies. I was able to do it online with XXXX XXXX and XXXX, but Equifax was giving me Error code NH and advise me to call customer helpline. I called the line and was told they can not freeze my file because they don't have any credit records on me. 
I told them I don't use credit but afraid of some one else might try to use credit fraudulently under my name and that's why I wanted to freeze it. Even supervisor told me can not be done. 
My argument is if they can do the freeze for minors without any credit records under their file, why can't they freeze an adults file without any credit records. As an adult my credit is more at risk than minor who is not even legally eligible for credit. 
As I stated above, I already have freeze with other two agency, I don't understand the logic of EQUIFAX not allowing it to happen. 
This needs to be change before somebody opens up some credit under my name, because EQUIFAX refuses to put freeze on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 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: MD

Complaint narrative:
I submitted a request to investigate and remove credit inquiries on my Equifax Creit Report that I didn't authorize. Equifax sent me a written response stating that credit inquiries are a factual record and must remain on my credit file for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX we mailed our payment in to Freedom Mortagage. The company had not posted our payment to our mortgage account by XX/XX/XXXX, so I had contacted the payment processing number for the lender. I was advised that on this date they had not received our payment due to it not showing in the system. I contacted them on XX/XX/XXXX as well with the same response from Freedom Mortgage. Finally on XX/XX/XXXX they had posted our payment to our account, but it had been initialed that it was received as of XX/XX/XXXX. This is not the first issue that we have had with severe delay in processing our payment. We were not charged any late fees, but due to being required to mail the payment in, it caused undue stress to my wife and I during the holiday season because we were worried if we needed to send in another payment or play the wait and see game. If I am seeing the correct information regarding this type of issue is that it is required to be posted the same day or the next business day after it is received.

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 2019-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is a follow-up to my previous multi-part complaint submitted on XX/XX/18. As I explained in that complaint, when buying some XXXX airline tickets on line, a popup invited me to apply for a XXXX XXXX XXXX card, with an offer of XXXX bonus miles and a {$200.00} airline ticket credit if the customer spends {$3000.00} within 3 months of card account opening. I complained that I did not receive these bonuses, that the advertising was unfair and deceptive, and that the company 's complaint process required me to keep calling back and strung me along for months. 

The American Express response XX/XX/18 addressed only 1 part of my complaint -- telling me that I did not receive these bonuses because I was a previous cardholder. 

The response was silent regarding the unfair and deceptive advertising to sell me this product. My complaint said that, while American Express had no intention of paying the bonus miles and airline ticket credit to customers who previously had the XXXX, they did not disclose this up front to the customer. This led me to apply for a Card for no benefit to me. I have recently received a Card offer from a competitor, XXXX, that states clearly in the advertisement the bonus eligibility requirements. Why didn't XXXX do this? It led to a lot of trouble and harm in my case. I purchased a ticket at a higher price than I thought I was paying ( due to not receiving the ticket credit of {$200.00} ), and caused another unnecessary credit inquiry. 

The response from American Express was also silent regarding my complaints about their cumbersome and unhelpful complaints process. Specifically, I said in my complaint that the company does not directly respond to customers who complain. Instead, we are told to wait 6-8 weeks and call in to find out the status of our complaint. 

I am attaching the XX/XX/18 American Express response documents for reference. 

Please kindly respond directly to these complaints. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX- Wells Fargo ATM eats my Business Debit Card and a large number of checks being deposited. This is on the heels of the same occurrence ( at a different branch ) occurring a week or so previously with regards to my Personal Debit Card/Checking Account. 
Ive noticed this all happening as I was deciding to close accounts and move funds away from Wells Fargo after XXXX XXXX performance on the XXXX. 
XX/XX/XXXX- Wells Fargo reverses the Deposit amount of {$4800.00} essentially stealing my checks by order of Provisional Credit Reversal without any notification whatsoever. This is in violation of our agreement which had me request and be promised that no case would be closed or resolved until Id received proof of the recovered checks, an explanation as to why this has occurred to me now multiple times, and statements from the Branch and the ATM servicing company verifying whatever alibi WF decided to present to me, which as it turns out, was none.

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 2019-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my daughter transferred money to me via the CashApp. The money was never deposited into my account. I contacted the company via their cashsupport email address on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, they have not replied to any of my emails and the money was never deposited into my account. I'm will to disclosed my bank statement as proof. 
The money was transferred on XX/XX/XXXX @ XXXX. The identifier is XXXX. 

The money was transferred from $ XXXX and was supposed to go to $ XXXX. The transaction is showing up in the app, but the money never went to my account. Even after trying to do the 'cash out '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir, I have received a letter from Chase that there is account on my name, which was numbered was " XXXX '', I do not have any business with chase on any kind of loan or insurance, there were two credit cards ( ending XXXX  and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the CHASE CFPB Complaint IDs XXXX,XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with chase at all. All of sudden I received the letter from chase that there is a account 'XXXX  ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account 'XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called 'XXXX ( Home Equity of Chase ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against chase and account number 'XXXX  ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account 'XXXX  ', file a complaint against chase, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with chase and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I Graduated from XXXX college in XXXX owing XXXX worth of student loan, I paid back, and struggled through a divorce and every time I would call Navient, ( Sallie Mae transferred my loan to them ) I was told to just take a forbearance. I filed bankruptcy in XXXX, and paid XXXX toward my loan and was told when I got out in XXXX I still owed, XXXX. I don't understand. I paid on these loans I wasn't always in a forbeance or deferment. But I cant get no help to figure out where the money I paid went. I also have worked at a place that qualified for loan forgiveness, but I am being told that none of my payments until I had enough and switched to XXXX XXXX qualified for loan forgiveness. I need some answers and no one seems to want to help me.

Company response to consumer: Closed with explanation