vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 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: GREAT LAKES
State: IL

Complaint narrative:
My balance should  be less than $9,000 they charge me the wrong interest. They have not resolve this matter.        Great lakes and XXXX college XXXX XXXX XXXX                                                                    The begin and end dates for all terms.
The enrollment status during each term as either half-time or full-time. Please note, we cannot accept part-time as a valid status.
An authorized officials name, title, signature and signature date.
 
This documentation can be returned by email to the address listed below, uploaded through the forms section of your mygreatlakes.org online account, faxed to telephone number XXXX, or mailed to:
 
Great Lakes Borrower Services XXXX XXXX XXXX XXXX, WI XXXX  
Upon receipt of at least half-time certified enrollment verification from your school, your request for deferment will be evaluated, and you will be advised of any change to the status of your account. If necessary, the deferment will be applied retroactively to the date you began attending at least half time, as provided by your school.
 
We hope the information provided is helpful. If you have additional questions or concerns, please contact our Borrower Services Department by telephone at XXXX XXXX (Please note that some calls may be monitored or recorded for quality assurance purposes), or by email at XXXX.
 
Sincerely,
 
Complaint Resolution Team
 
 
 
 
 
 Original Message  From: "XXXX XXXX"  Received: XX/XX/XXXX XXXX XXXX CST To: "Great Lakes Borrower Services"  Subject: RE: School and financial aid : I'm currently in school or going back to school, and I want to know why I'm getting billed
The did already 
 
On XXXX XXXX, XXXX XXXX XXXX, "Great Lakes Borrower Services"  wrote:
 
 
Hi XXXX,
 
Thank you for your recent email.
 
If you were still attending school as of XX/XX/XXXX. Please have your school send us a complete enrollment history, which should include all of the following:
         The beginning and end date for all terms (month/day/year).
         Your status during each term, specified as either a full or half-time student (we cannot accept part-time).
         The name, title and signature of an authorized school official.
If you still have any outstanding questions or concerns, please do not hesitate to contact us.
 
Sincerely,
 
XXXX
 
 
Borrower Services Department Great Lakes Educational Loan Services, Inc. [XXXX XXXX|tel:XXXX] or [XXXX XXXX|tel:(XXXX] TTY XXXX Monday  Friday XXXX XXXX XXXX XXXX. Central time
 
Residents of CA, CT, DC, IA, MI, NC, OR, and VT: Under the law of these states, Great Lakes Educational Loan Services, Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: IL

Complaint narrative:
I disputed XXXX XXXX multiple times with XXXX and Experian I do NOT have a written contract with them for any debt collection. I asked multiple times I needed validation of debt with my WRITTEN SIGNATURE of the contract with XXXX they have failed to provide that information. Per LAW I am required to have that type of validation and that has NOT been sent to me. Bills and statement do not constitute a debt validation. XXXX has already removed the information and the other 2 major bureaus have not. They are hindering me from purchasing a home.

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 2017-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO.,  Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine!  I looked them up and they have been reported numerous times to the BBB for false collections,  such as this.  I called XXXX and and emailed them.  I also submitted my complaint online to dispute it.  I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Money transfer failed to credit account after 20 days. 

Transferred XXXX XXXX to XXXX XXXX on XXXX XXXX XXXX. 
The money was shown as received on the XXXX XXXX XXXX but the company has failed to credit my account as of XXXX XXXX XXXX. 
I have made numerous attempts to contact their customer support via their own web portal, email, social media, telephone and I have had no direct response. 
I have submitted numerous support requests and tickets and only received an automated response containing irrelevant information. 
The support case case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I attempted to access a credit report from Experian. They notified me they were unable to provide me with a report due to lack of information XXXX. I received a debit in my checking account for $XXXX, I was told my report was FREE. I spent 20 minutes attempting to contact Experian with no avail. I am XXXX and $XXXX is a lot of money to my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and Transunion.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

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 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was assessed an annual fee of {$160.00} by American Express for my credit card on XX/XX/XXXX. This fee is valid for charges fromXX/XX/XXXXto XX/XX/XXXX. I cancelled this card on XX/XX/XXXX and requested a partial refund ( 11 months XXXX of the fee. American Express refused to refund the fee and said that I had to request the refund within 30 days of the assessed annual fee. That means that they are charging me for a service that I am not receiving. Is this legal? I asked them to refund {$140.00} which shows a reduction from the {$160.00} for the month of XXXX. I would like them to refund {$140.00}. I have documentation of our discussion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on 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 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies.

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice.

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

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 2017-12-30 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: Credit Karma, LLC
State: NY

Complaint narrative:
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with Equifax and XXXX. 
My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one blaocking digital wallet transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATEXX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXXXX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXX XXXX XXXX DATEXX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX

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 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I recently completed a refinance with XXXX. The second month the payment was due, they changed the loan number and address of where to send payment. I sent the payment in under the new loan number and sent to the new address. XXXX states they never received payment. I confirmed payment with my bank and have proof of payment. I have called XXXX a few times and have gotten no where with the issue. 
On XXXX/XXXX/XXXX, I faxed all the proof of payment documentation over to my XXXX XXXX, XXXX XXXX. She agrees that the loan was paid by the information I sent her. 
We did a 3 way conference call with XXXX, the Customer Service XXXX XXXX. He states they still have not received my payment! He also states that this happens all the time because the loan payment goes from XXXX XXXX to New Jersey. It will be the XXXX of the month in a few days and I will have another payment. I am afraid to pay it again since they have already lost XXXX XXXX payment. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 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: CA

Complaint narrative:
Interest rate increases to 29.99 %. Called to have lowered was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Involves AARP CHASE Credit Card Services. In  XXXX. I transferred my balance to another banks credit card. They, themselves initiated another account on me and allowed charges up to $ 3,000.00+,  documented credits but i had not paid anything since filing dispute after I struggled intensely making 8+ calls of which I talked to at least 5 people each time spending up to 45 minutes with only leaving voicemail with management who has yet to return 4 voicemails from me during the past 4 months. Everyone is confused and passes my problem on and on between fraud and identity departments. 
I 've talked to at least 15 different reps.and have left my last voicemail to management on Thurs. XX/XX/XXXX ; none returned. 
I now wait on them to contact me. 
However, they have reported to my Credit Reports Co., XXXX that catgorize under failure to make payments. POOR in red ink is attached. 
Again, I did not activate this card and I want to know why I owe them {$3000.00} or another time {$1800.00}, or another time XXXX, etc. There is obvious very much confusion on every ones part ... .except me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint on Bank of America cause I have had an ongoing dispute on some fraud charges done to my corporate card for XXXX XXXX XXXX. They have denied my fraud claim on grounds that are not valid. They have requested me to explain to them details of the claim that I have no recollection on because of the length of the charges I have explained to them on several occasions that I do not recall and they continue to insist on my giving them dates that I do not recall events on. After going through responses on the paperwork they have sent in response to several complaints filed I have filed a police report with the XXXX XXXX sherrif. I did request a card and activated the card before changing my number XXXX to XXXX and the charges started days later on the account. They claim I made phone calls verifying charges XX/XX/XXXX and XX/XX/XXXX but that was not me. They claim that my Drivers license was provided and I did not have any type of communication with them during those dates. I am providing them with a copy of the police report and requesting my right with the fair and accurate credit transactions act to reconsider my claim. They have removed monies from my checking accounts with them to pay for charges that are fraudulent and this is not something that I will be letting go even if it needs to go in front of a judge in civil court.

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 2017-12-30 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
After Hurricane Maria passed through XXXX XXXX, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

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