vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: SC

Complaint narrative:
I borrowed {$800.00} and have repaid $ XXXX yet this company claims I owe more than {$800.00} still. This is predatory lending. This is obscene!!! They arent even located in the United States, they are in XXXX! 

I already filed complaints and this company 's response was that I am to STILL repay {$800.00}. Ridiculous! The resolution presented is : " PROPOSED RESOLUTION We understand that you are not completely satisfied with your Line of Credit. As a one-time courtesy, we would like to propose the following resolution : The outstanding balance on your account will be frozen in the amount of {$800.00}, the amount due as of your last statement date of XX/XX/2019. This means that no further fees or interest will be charged on a go-forward basis from this statement date ; The outstanding balance noted above will be divided into 5 installments of {$130.00} and a final 6th installment of {$120.00}, which will be payable on your scheduled pay dates ; and Once all installments are paid, your account will be closed as Paid in Full. '' MoneyKey is offering zero resolution in this matter. I have repaid the {$800.00} borrowed PLUS {$140.00} in fees. Based the original agreement, MoneyKey expects {$800.00} to pay off the loan meaning MoneyKey would collect {$940.00} in fees XXXX 118 % )!!! I would repay {$1700.00}!!! This is OUTRAGEOUS! 

MoneyKey 's proposal solves nothing. MoneyKey still expects me to pay an additional {$800.00} for a total of {$1700.00} for {$800.00} borrored. Again this is predatory, unethical lending!!! And to add to it, MoneyKey wants to sent payments at a rate HIGHER than my loan agreement. 

25 % interest in a fair interest amount. 25 % of {$800.00} is {$200.00}. I have paid {$140.00} of that. I will pay an additional {$55.00} payable by check to MoneyKey to be paid by XXXX XXXX. 

My account will then be marked CLOSED/PAID IN FULL/IN GOOD STANDING MoneyKey has received its {$800.00} plus additional profits from me. I will AGAIN report this as MoneyKey as provided no resolution. MoneyKey is simply restructuring how it still gets the obscene amount of an additional {$800.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS

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 2019-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I lost my job a few months ago ( XX/XX/XXXX ). I did not call Navient until today ( XX/XX/XXXX ) because I figured I would have full-time employment by now. I was told I do not qualify for forbearance because I've maxed it out, I was told I do not qualify for a deferment because of the loan types, I was told I could not lower my payments beyond what they were. I do not have income or a means to pay them. I was told to contact a placement agency but there wasn't anything they could do to work with me on this. 

I am not trying to avoid paying my debts but I have been struggling with this since my graduation in XXXX. Both companies are not being held accountable for this situation yet I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS

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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
At the end of 2018 I got into an accident and it was deemed a total loss. prior to the checks being sent over to the finance company from the insurance company I fail to receive a copy of the payoff balance sheet for the total payoff amount. Because the contract was only in duration for six months the total pay off the balance should not have included the entire finance charge for the duration of the entire contract and should have. At a much lower balance than what was stated to the insurance company. I have called numerous times always to be placed on hold for extended periods of time only to be not held that the end. I have written a letter to your place of business requesting copies of every single document that they have in their files in regards to my account and I received nothing as a response to but an e-mail requesting that I could sign in online to view my account history but when I do so the history in after dating question and not for the entire duration of the contract. And to add to that what they did instead was inputted into their computer system that I now have a balance of {$1300.00} because I was asking them to return to me any excess monies paid to them after satisfying my account balance. because by law it is rightfully mine and should have been returned to me as soon as the payments were made. not only did they not supply me with any of my paperwork to document any of the details and how the appropriated any of the refund money but I also never received the title for the vehicle in which the entire loan payment was made for. As well as they have now somehow added a {$1400.00} charge to my account but have no documentation explaining why or how that number was reached or why they feel entitled to such an amount. It is also incurring interest as if I was still under contract with them which is false because the terms of the contract were met and the account was closed and that was explained to me in one of the phone calls that I made to them. they should not be allowed to charge me for attempted charge me any money without them furnishing up and supplying the paperwork necessary to substantiate such claims. They also negatively impacted by credit score for months after the accident stating that I was past due on payments when in fact they had already received payment the loan. So all around this company is doing awful business they are not meeting terms that they should be and are not supplying any paperwork as to their conduct on that side of the contract. I have upheld my side of the contract and I believe that they should be held to theirs as well. There's a lot of unscrupulous behavior going on within this company, and that is some evident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One, XXXX, and XXXX/XXXX accounts have all been used by another individual for personal pursuits. Fraud alerts have been set up and an FTC complaint has been filed # XXXX. All cards have fraudulent charges and incorrect amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
Requested mortgage assistance for several months and submitted financials and other documents several times. I call to follow up with the process and I've being given the run around with this stating they have not received documents on numerous times and now my up is up for a property foreclosure sale. I been working with my mortgage company for over one year. Recently I mailed the assumption package with my financials since I was told numerous times they never received my request. The mortgage company is giving me the run around and I need Help!!!

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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is the follow up to my complaint that was submitted back on XX/XX/2019 against Bank of America which was forwarded to MsXXXX XXXX XXXX, Bank of America Regulatory Complaints Department, @ XXXX ( XXXX ) XXXX ext. XXXX. 
At the time I had applied for a Bank of America Platinum Plus credit card, I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Ms. XXXX made ONE attempt to contact me, left me a message with her name, number and extension and asked me to call her back to verify my identity. I called Ms. XXXX, however after leaving numerous messages I never received any response. This matter WILL NOT BE SWEPT UNDER THE RUG. Ms XXXX response : The company sent its response directly to the consumer because it could not confirm who submitted this complaint. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. First off this is a JOKE! 
I have NEVER received the response from Ms XXXX or Bank of America, so as far as I am concerned this complaint as not been resolved and I am not going away. I want answers.

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 2019-11-05 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX  Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019

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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I was hospitalized sometime in XX/XX/XXXXI dont know exactly when but I know I had CA state medi-cal insurance. The hospital has to provide that for you if you go into the emergency room by the way by the Obama care act of XX/XX/XXXXbut I already had insurance. I went to a mental hospital and a drug program and I had no contact with my parents and that includes any mail. My mother was throwing it out. I had no knowledge of the account until a year later when I opened up a XXXX XXXX account and saw that This was on it. I was wrongfully billed by XXXX XXXX XXXX and when I called the collections they said it had already been a years time given for me to dispute so there was nothing I could do about it. I was unaware of the account though. I just have been so busy with my life situation and issues I havent found the time to sit down and complain about this. I talked to the collections in XX/XX/XXXXI believe.

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 2019-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I had three loans particular loan with Sallie Mae. 

The disbursement date, per Navient is XX/XX/XXXX. 
Loan 2 was sold to an unknown servicer on or about XX/XX/XXXX and the amount was {$17000.00}. 

I elected to pay interest -- and did pay interest -- while in college. 

Navient charged {$4500.00} in capitalized interest on XX/XX/XXXX. 

The sum of those two XXXX. 

The loan was again sold, increasing the principal amount to {$23000.00}. 

Today, the account balance is {$18000.00}, in excess of the original principal, {$17000.00}. 

It is not known what the loan balance would be, accounting for payments and interest had the servicer not miscalculated. 

I kindly request your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i went into wells fargo to open a savings account we sat down with the manager he was asking my husband and myself have we ever opened an account with wells fargos my husband had open an account a few years back and it will be my first time so the guy was asking me if i ever lived at this place i said no then he ask me if this email was mine i said no then he asked me are you sure you never opened an account with us before i told him no. i told him it doesnt make sense why would i come in here today to open one. he was on the phone talking to wells fargo fraud divison now he was starting to make me feel uncomfortable like i did something wrong so this lady walks over and ask whats going on i was trying to ask him the same thing so i was getting irritated because he wasnt telling me anything all he said at this time we are unable to open an account for you i asked him why not he told me i cant give you that information my husband ask if we can get a copy of why they are denying me he gave me a number to call so i called the number left like three messages so she finally called i gave her my first and last name i told her i try to open an account and i wasnt able to and was told to call this number so now im calling she asked what its aboutt im trying to find out myself she said she will call me back when she finds out whats going on still waiting can you please help me out im really trying to build my credit not destroy my credit need help thank you

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 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I did pay my balance amount in Full before the Due date of the XXXX month. I paid my balance on XX/XX/XXXX. My due date was XX/XX/XXXX and Statement date was XX/XX/XXXX. They charged me with XXXX dollars interest after making the full payment of my balance amount before the due date. I tried to reach out to the customer care team but they are not responding properly on the charge. I am not sure what I can do as a customer and how my complaint resolve the issue. But just trying to see if they stop doing such charges on customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I have applied and been accepted for modifying my mortgage. Mr. Cooper/Nationstar says I am accepted but the payments are nearly {$7000.00} a month. They use their own insurance which is over {$1500.00} per month. They want me to make 3 payments at nearly {$7000.00} and they will look at modifying the loan, it isn't guaranteed. So they are asking for this outrageous payment for 3 months, then they could say I am not approved for the modification. They are purposely making this undoable so they get your home. This is not right. I also have a confidential tolling agreement which Mr. Cooper/Nationstar violated and did not follow. The violation of this agreement should make the foreclosure void. 

XXXX XXXX LOAN NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have a 14 year old mortgage with first florida bank of Puerto Rico. 
My ondo insurance has lapsed because they have not paid it in spite of the fact my payments are always on time I phoned the bank 2 weeks straight and left messages each time and never receive the courtesy of a return call in spite of the fact I stressed the urgency of the matter. 
Today I phoned the manager of the main bank and was put through. He told me an intermediary paid the insurance. he would contact them and it will be paid tomorrow. 
I feel this bank is not worthy of doing business because this is the 3rd issue I have had with them where their practices are questionable ... legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Sent from my XXXX Subject : Unhappy with buyer protection guarantee, Ive been dealing with an issue my family had with a seller on XXXX and were hoping PayPal would help us resolve but its been very frustrating. In a nutshell, my son bought an XXXX that was advertised as new, and we found out 2 months later that it was not indeed new and filed a claim with PayPal. They have not listened to one shred of evidence we have about this and just blatantly deny our claim. I would love to be able to really talk to someone about this in-depth. It is my sons account but he gives full permission for me to deal with this. I hope you can help us. His case id is XXXX. Every time we try to deal with PayPal they just deny his claim without hearing any evidence I know whatever info they have for his case isnt complete because we were never allowed to submit everything. Thanks so much for your time, I hope to hear back from you. 
Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Made to payment in full to Mercedes Benz Financial Services ( MBFS ) on XX/XX/19 before XXXX ; however, MBFS posted the payment at a later time and date falsely reporting my account as a late payment to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation