vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was sent money through PayPal with different people on XXXX XX/XX/2019 of about {$230.00} and on XXXX XX/XX/2019 I was sent {$13.00} totalling to {$240.00} and PayPal denied me access to withdraw the money from my account. At first I withdrew the money and they denied me access to my account for 5 days and after the 5days they blocked my account for 180 days which is not fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This is regarding a debt that Convergent Outsourcing Inc. in XXXX Washington XXXX sent to my XXXX year old mother she says she don't know what it is they say maybe debt fromXX/XX/XXXX XXXX?? not clear. acct # XXXX. in amount of XXXX. They sent this to her on XX/XX/XXXX and after seeing this scompany on many scam reports we have donr nothing but contact you and XXXX because there is nothing about this on her credit report. And we also placed a fraud alert on her credit report.

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 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/19, on the Commerce Bank website, I ordered a stop payment on check # XXXX. The webpage did not say there would be a {$30.00} charge for it, and I assumed that it was free. I then found that my account had been charged a {$30.00} fee for the stop payment. 

The fee should have been disclosed on the web page where I went to order it. If I had known there was any fee, I never would have purchased the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is violating FCRA. I have tried several times to resolve this issue to no avail. Yesterday again I spoke with a rep who said a supervisor would come on the line to speak with me and I waited over an hour on hold and no one picked up. This after other times being told a supervisor would call me back and they never did. They claim they verified a public record ( bankruptcy ) ( which should not be on my report ) with the " creditor '' I explained to the rep this was not a creditor, but a court. She corrected herself and said, " oh yes the court '' Clearly, did not know what she was even talking about. They are just spewing lies to consumers. They could not have verified ANYTHING because the US Bankruptcy court does not give ANY information to third parties by phone or mail. At this time my XXXX XXXX reports are ALL FROZEN and locked. So how did they verify this? 
The clearly DID NOT. They are lying and committing a violation of FCRA. This company handles requests like this very poorly and should be sanctioned for this behavior. Lying to consumers and stating they verified information they could not verify. Further, on my previous attempt to resolve this via certified mail I sent a copy of the letter from the court stating they DO NOT give out information and also a copy of the XXXX XXXX freeze letter. This is nonsense.

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 2019-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filled a complaint with credit reporting for my hard inquiries. customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2019-08-17 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: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do XXXX XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint if filed against EXPERIAN CREDIT BUREAU and XXXX  XXXX. 
On XX/XX/XXXX I have settled with XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  and I don't owe any longer debt I had on my real estate purchase. 
Both Experian and XXXX have been notified by legal office from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  about outcome from the settlement. 
Experian briefley DELETED XXXX  XXXX on XX/XX/XXXX ( see attached ) and than immediately placed the record back on XX/XX/XXXX ( see attached ) EXPERIAN ALTERED MY NAME ( my aka ) TO LOOK LIKE I'M DIFFERENT PERSON BUT, LOOK AT THE SOCIAL SECURITY NUMBER AND YOU KNOW I'M THE SAME PERSON This scam and ripp-off company shouldn't be on the market. To report false entries in consumer file in credit bureau is illegal and against the laws of The United States. 
Do you at FTC do anything about this? Or you are just toothless office pretending to protect consumers? 
I want to you to take action against both of those companies/

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 2019-08-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was denied as a co signer on a student loan for my daughter by discover student loans. I had previously been accepted but the dates needed to be changed so when it was re processed I was told I couldnt co- sign because Equifax reported a past or present delinquent account. I was finally able to get in touch with Equifax, a worker who would only identify himself as XXXX went over my report and stated it was a mistake and to tell XXXX to contact their customer service # and it would be taken care of. Nothing they did two more checks and I was denied both times. All that contacting Equifax did was further damage my credit. Can you please tell me what I can do. Equifax is extremely difficult to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: GA

Complaint narrative:
I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do miss XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that

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 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a letter from Citibank stating that I was not eligible for the promotional XXXX XXXX miles ( XXXX ) that was promised to me. They said that the reason was that I did not make a {$400.00} debit card purchase within the 60-day time frame. 

However, I did make the {$400.00} debit card purchase within the 60-day time frame. I made the purchase with my Citibank debit card on XX/XX/2019. Looking at THEIR records of the transaction ( screenshot enclosed ) it even says that the purchase was on XX/XX/2019. This is within the 60-day time frame from when I opened the account. 

I would like the XXXX miles credited to my XXXX XXXX advantage account. 

Citibank continues to XXXX $ XXXX fee for this checking account. Every time that I call the answer is always " wait 4 weeks for an answer. '' In that time frame, I do not get a satisfactory answer, and then they collect another fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
In XX/XX/XXXX I applied for PSLF. I was placed in this program and my loans were all moved from XXXX to FedLoans. I made 40 payments from XX/XX/XXXX through that time. However, those payments have not been applied towards my number of qualifying payments. I have called customer service for the PSLF program and every time Ive been told that my loans are in a queue to be analyzed and decided on which payments qualify. When I first called in XX/XX/XXXX they said that sometimes it can be up to a year and to try again 3 months later. I tried in XX/XX/XXXX be they told me the same thing. In XX/XX/XXXX I submitted an employment verification form and was granted 8 months of qualifying payments ( it should have been approved, but 2 of  them were with XXXX so they must go through this review process ). After these payments were granted I called in XX/XX/XXXX to enquirer why some counted and some didnt and when my review would take place. I was again told it sometimes took a year and I pointed out that it now has been a year for my account. They couldnt explain it further. 

I called again in XX/XX/XXXX giving them almost an entire year to process my account, but still nothing has been done to verify these payments. The past time I called I went over the details with a customer service representative who even said it looks like these count, but we just need to verify them through the program. 

It has now been 2+ years, and my payments still arent verified. Please force this company to have some accountability towards this program and count my payments. Every time someone calls the most they ever do is ask for my account to be reviewed, but so far this has never accomplished anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I bought a treadmill and took out a SEARS credit card for the same. To date, I have never received the card. I have only received one statement which I tried to pay at the store and could not. I paid via check for the first time. After inquiring with the creditor via phone, they agreed to send me the card and correspondence, but they have done neither. I have tried to pay at the store with my Social Security number, but no account appears registered to my SSN. They keep calling and harassing me and requesting that I give them access to my bank account so they can withdraw the payment. I want to make the payment but refuse to give them access to my bank account. If they can not even mail me a simple credit card, I fear what havoc they may do if I provide them access to my bank account.

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 2019-08-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My father-in-law paid cash for heating aids from XXXX XXXX XXXX, in XXXX, TX.but somehow a credit was opened at Comenity Capital bank. We just happened to check my father-in-laws credit for him as he is XXXX years old and completely XXXX  we have Power of Attorney. We contacted Comenity Capital Bank and discussed the situation that they had mistakenly opened an acct. under my father-in-laws name and they turned him in to the credit reporting agencies in 2004. We called Comenity Capital Bank I dont know how many times we tried to clear up his credit due to an incorrect report. They had 90 days to correct a charge of {$4100.00} by end of XXXXAnd has significantly lowered his credit score. We just called Comenity Capital Bank to make sure they repaired his credit and when we called in XXXX they said it was not their issue to fix..!!! It is though. We cant get them to fix his credit that THEY ruined! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2019 a hard credit inquiry was made on my credit report by XXXX XXXX XXXX XXXX. The only information I can get from Transunion is : XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX. When I call the number I get a recording that says '' XXXX XXXX   XXXX XXXX HAS exited THE wholesale mortgage channel ... thank you for calling XXXX XXXX XXXX XXXX '' and then hangs up. When I contacted Transunion they told me I had to contact the bank. I called Customer Service and Fraud prevention departments and since I do not have an account with XXXX XXXX, they say they can not help me. I want the inquiry removed from my credit report as I did not apply for anything. I have since requested a freeze on all 3 credit bureaus for my identity. In the meantime I want the fraudulent hard inquiry removed but no one will assist me in doing that. It did lower my score and if it happened to me it is probably happening to others.

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 2019-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NJ

Complaint narrative:
I took out a loan on XX/XX/XXXX for {$750.00} I made 24 installments every 2 weeks totaling {$4400.00}. I have since found out the max interest rate allowed in nj is 30 % and they were charge about 700 % and they are not licensed in nj. When I contacted them on XX/XX/XXXX they would not refund the amount I have over paid in interest. I am seeking to get a refund in the amount I have over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have several loans with Navient that were reported late around XXXX of 2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling Navient some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
To whom it may concern my name is XXXX XXXX and Im hoping I will be able to get some help because I am at my wits end. In a nut shell Ive had Ocwen mortgage company for about 15+ years I have always paid my mortgage every two weeks for two reasons first because I would not be able to afford the whole thing once a month and second because then it cuts your mortgage time in half from 30 years to 15years Now Ocwen was bought out by PHH mortgage services I was informed at that point that I should not send anything to Ocwen , to put my new mortgage companys address into my XXXX XXXX XXXX online bill pay which I did. 
I send {$510.00} every two weeks to the new address have never been late with the payment in my life. Now I start getting these letters from the new company first telling me they dont do this bimonthly billing I am going to be sent to the creditors theyre showing me I owe thousands of dollars which I dont. 
Then, I get another letter saying that they do have a flex pay program but it has to be on their terms the two times of the month that they want it to be and it has to be directly taken out Of my account and each transaction is {$2.00} which is XXXX dollars a month which is a joke and unaffordable I am XXXX years old on SSI less than a thousand a month and take care of my XXXX year old mom am terrified now that this new mortgage company took over that I will not be able to keep my payment schedule that I have had for over 15 years now and I am just so scared now that PHH will not work to help me keep things as they have been and that I may at some point lose my home. 
Please I am begging, is there anything that anyone can help me with to get this resolved before it is too late? 
Thank you so very much in advance for even reading this XXXX

Company response to consumer: Closed with explanation