vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex Gift Card.

I was given an Amex gift card in the amount of {$300.00}.

When I tried to apply it to my {$800.00}. hotel bill, Amex would not approve the transaction.

Tried for {$250.00}, NO.

Tried for {$200.00}, that was approved.

The following day at the hotel Amex approved {$50.00}. 
Since then no matter where I try, they refuse the charge. The balance on my card is {$50.00} Calling the phone number on the card is automated.Ca n't reach a person.

Go on the listed website on the card, no help.

Called the regular phone number for Amex, and the agent could not contact a. live agent, and found it impossible to help me.

Looked on line and saw 179 negative complaints about Amex gift cards with just a one star rating. 
My gift card number is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE CARD OPENED IN MY NAME ... PLEAE HELP! .. IDONT HAVE DATES OR TRANSACTIONS.. I FOUND OUT WHEN I PULLED MY CREDIT REPORT ... THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I borrowed approximately XXXX dollars from this company more than 1 year ago. After making 14 months of payments in the account of XXXX each, the company shows that I still owe in excess of XXXX. It appears that the total payments will exceed XXXX after 2 years. 

I was told at the outset that this was a simple interest loan. I have been trying for over a year to get someone to explain how a simple interest loan can escalate into an amount that nearly tripled the original debt. 

I am trying to get this agency to stop its predatory lending practices to the elderly and poor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
A Bi-weekly payment process was authorized and confirmed to start in XX/XX/2019. In XXXX, a late fee was billed. The company was contacted by us and they stated an error was made by them, and the bi-weekly payments were cancelled for unknown reasons. The company said this was not uncommon, but stated a new authorization would be required by us. We said we would just make regular monthly payments to avoid this problem. The company removed the late fee, and confirmed the date and amount of the next payment. Company stated everything was corrected.XX/XX/2019, we received a bill for twice the monthly payment for XXXX. XXXX was already paid, and now a double payment is due for no reason. The company is being contacted for the third time about this issue, and we are concerned about malicious billing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: WA

Complaint narrative:
I have ask Fedloan Servicing on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response. In XX/XX/2019 after complaining about this via the CFPB website, Fedloan Servicing sent a response telling me how much I would owe in 10 years with Public Service Loan Forgiveness. I DO NOT QUALIFY FOR THE PROGRAM THUS THE REASON I ASKED FOR THE TOTAL OWED AT 25 YEARS! PLEASE PROVIDE TOTAL AMOUNT OWED GIVEN MY CURRENT PAYMENT AT THE END OF A TWENTY FIVE YEAR TERM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MA

Complaint narrative:
I have received a notice about my credit report with a debt on there that did not look right. Tried to call the company and speak to them directly and the phone number provide is no longer in service. I would like to get this removed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
This issue is with global Payments - they are reporting that I have unpaid transactions through checking accounts that are not mine. I have called and send numerous letters with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CORELOGIC INC
State: AR

Complaint narrative:
I'm in the process of buying a home, my credit was pulled in which it revealed accounts that don't belong to me. Under the FCRA I would like verification of the 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 2019-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Earlier this year I got a copy of my credit report and saw that my report included a collection for XXXX XXXX XXXX for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called XXXX XXXX to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 my daughter was trying to pay her phone bill online from her account ( my name secondary ) when she realized that the transaction was not successful, she called BOA and was told a fraud wire was deposited to her account fromXXXX and XXXX XXXX, hence a hold was placed on the account. We were further informed that the investigation would take 90 days and we could not access her account. We tried calling during the period without any resolved, on one of these follow-up on XX/XX/2019, we were told our account will be closed to offset the XXXX XXXX customer who was out of pocket. We informed them many times we are not aware of such transactions and need the matter resolved. After we spoke to the customer service rep on XX/XX/2019 they hold all funds on my main account also, ( daughter secondary on account ). 

We visited the Branch at XXXX XXXX XXXX and was told the rep could not assisted us, I had to use my personal phone to call the Fraud dept, which informed us that they will be closing my accounts and ending all relationships. I was most annoyed and frustrated as we have been calling and not getting any updates and no resolution on the matter. We got a letter on XX/XX/2019 saying the accounts will be close and they will report our account to XXXX XXXX and XXXX XXXX XXXX. I conclude that they are accusing us of the fraud before the investigation is completed. My question to them was, why a cash withdrawal was done at the same branch we visited and they cant determine that we the customers are not the persons doing the frauds. See statements and letter attached. Note we only got that only letter when I asked how comes all this happen without any communication from BOA. 
Please investigate on our behalf.

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 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Insikt, Inc.
State: CA

Complaint narrative:
I filed a complaint through the CFPB and the company responded saying I contacted them on multiple occasions stating that i was going to settle and that is false I contacted the the first time stating i will pay in full if its removed off my credit report the guy said ok and i said i will need that in writing and i never received anything fast forward to thia year XXXX to be exact I called with the same agenda this time seeking a deal if possible with the money i had readily available at the time they told me they cant remove from credit it will so the payment as settled and offered a lower deal of {$330.00} but it was due XX/XX/XXXX or XXXX I asked the agent how does this benefit me with this being 4 years old and that negative will start the TIME all over meaning it will have a negative effect for another 7 years refreshing the 4 thats already over and i also stated i will pay the full amount to have it removed she said no i put in my complaint with the CFPB and their response was i called multiple times stating i was going to settle and thats a lie because i had XXXX XXXX XXXX for over a year fixing my credit so thats a complete lie for me to call when im paying a company to handle all credit issues and second wheres the proof its not helping me because you are believing their world over mine WHERES THE PROOF IF YOU CANT PROVIDE THIS YOU NEED TO TAKE OFF MY CREDIT REPORT ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank charged me 3 {$35.00} fees for {$0.00} authorizations, which should not have created a charge. They have done this before and I am tired of it. If the authorization is for XXXX, it should not generate a fee. This is not right. They continue to do this month after month. I want this stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield, XXXX, AZ is falsifying a claim that we owe {$1300.00} to one of their client XXXX XXXX XXXX. We have requested multiple times to Hunter Warfield and XXXX XXXX XXXX to provide us with detailed history of the new and renewal commissions we have earned since inception of the contract. This will facilitate reconciling the new and renewal commissions we have earned. They have refused to provide any information so far despite our multiple requests. 

Unless we are provided with the detailed records with history of new and renewal commissions earned since inception of the contract we are unable to determine what is owed to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2019 A payment attempt was made for the full amount of {$9200.00} instead of the minimum payment. This was my fault as it was the first time I used this card and usually when I get a new card I set up auto pay with min payment. This is how I have it set up for all 30 of my other cards and is why I have a PERFECT PAY HISTORY FOR 10 YEARS. 


In this case I somehow must have selected pay full instead. I discovered something was wrong XX/XX/2019 when I logged into the website for a routine check and noticed the payment had not been made. When I called customer support I was told that my account had been froze due to non payment. I explained the situation and how I made an error by selecting the entire balance and they said it was just routine since such a large charge was attempted. I was then transferred several times until finally I was told someone would have to call me back. 

XX/XX/2019 - XXXX I called back since nobody returned my call and notified them I was still not able to make a payment or access my account. THIS IS WHEN THEY DROPPED THE BIGGEST BOMB I HAVE EVER HEARD IN MY ENTIRE LIFE. The woman on the phone notified me that my account had been cancelled. I almost lost my mind since I have had a perfect payment history with everyone of my 30 open accounts as well as the 2 with them. I told them this  must be a mistake and to please check again. I was told to call back at the end of the day. 

XX/XX/2019 - XXXX I called back and re told my story and pleaded with the person on the line to please not cancel my account as it was more than just taking a XXXX hit on my debt utilization but we were also in escrow to buy our first home and this would devastate our credit as well as we would not qualify for our home loan. 


XX/XX/2019 I just today was sharing with a friend my concern and he shared CFPB with me. The most ridiculous part of all of this is that I still dont have an answer as to why they just closed my account after perfect payment history with them with no explanation???????????? 


Here are the 2 cards I have with them PenFed Platinum Rewards Visa Signature and XXXX limit not a single late PenFed Promise Visa XXXX limit not a single late

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 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
After 40 months of continuous on-time payments through our XXXX XXXX XXXX to XXXX XXXX / XXXX, my husband and I decided to trade for a newer XXXX. There were no issues with financing because, as noted, never a missed or late payment. 

Since we traded on XX/XX/XXXX the first payment on the new bike was due XX/XX/XXXX. My husband paid, as standard, to the new account on XX/XX/XXXX. Unfortunately it apparently takes 5-7 business days for XXXX to receive payment from XXXX XXXX. Now, today XX/XX/XXXX. XXXX, barely 2 days after the first due date, my husband has received NUMEROUS harassing phone calls for the first payment. He tried to explain that it has been made through XXXX XXXX but just not yet received by XXXX. We also requested that the payment date be moved to later in the month ( say the 10th or 13th as that was our prior bike payment due date ) to avoid this situation in the future and allow time for XXXX XXXX to transfer funds. XXXX/XXXX will not accommodate this request and continued to harass us for a payment. I find this collection tactic appalling. And as a bank employee myself, I do know that until a payment is 30 days late, XXXX has zero collection recourse. We can provide documentation of the bankdraft on XXXX XXXX XXXX dated XX/XX/XXXX ( posted to the XXXX XXXX account XX/XX/XXXX ), but I will not attach via this method until someone from CFPB has contacted me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I am trying to obtain Parent/Student Loans for my XXXX sons entering college this fall. I was DENIED because TSI has a hold on this account. I called them on Friday, XX/XX/XXXX. They said I owed {$340.00}. They told me this was part of the US Treasury Debt. I said I had paid this debt in full and will attach the documentation. They said this is just the interest left over. They said I still owed {$340.00} on Friday, XXXX XXXX. Blindly, I paid this amount via my debit card to TSI in  full. TSI said once they receive payment, I would no longer have any further penalties. They also said to check on Monday, XX/XX/XXXX to make sure that my payment cleared. 

This situation started because I owed the US Treasury and HUD {$230000.00}. On XX/XX/2019 I was told by Treasury that if the debt was paid in full I would not receive any further penalties and interest. The law firm paid the debt in full. The documentation attached, the Certified Check, will prove this was paid. The check had to be sent to Treasury no later than XX/XX/XXXX. It was at Treasury on Monday, XX/XX/XXXX. 

The bottleneck is at Treasury. The Treasury has not cleared the check. Today is XX/XX/XXXX. TSI is continuing to bill me interest. This is not something I can control. And, it is not fair that I am being charged MORE for something that I am not causing. 

Further complicating this issue, is on Monday, XX/XX/XXXX when I called to see if my payment cleared, TSI said it did. However, more money is due. WHAT? They now claim I own an additional {$170.00}. It feels like ransom. The Treasury check isn't clearing so TSI is still charging. 

I have been getting phone calls and hang-ups from the NJ phone number ( XXXX ). It's harassment at this point. They won't listen to reason. The folks on their side have no clue how to explain what's happening. I have been talking to many people at TSI and no one seems to understand the issue. They are completely incompetent. When I asked them to show me the Burden of Proof of Debt they  were stumped. I figured out what the issue was and asked them to see if the Treasury check cleared. Sure enough ... YES, that's the problem. It's because the Certified Check for {$230000.00} hasn't cleared! And now TSI thinks it's ok to continue to charge me for something I can not control. I have done EVERYTHING Treasury has asked me to do and TSI has asked me to do as well. I am beyond frustrated.

I have two sons who need their Parent/Student loans and this company, TSI, is hindering this process. My children and I should not suffer at the hands of people who are completely incapable of understanding the situation I am faced with and incompetent in doing their jobs. 

Please advise.

Company response to consumer: Closed with explanation