vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called chase and requested a payoff amount so that I could close my Credit Card. I was advised by representative from chase that {$4400.00} was the amount needed to payoff my card and close it out. We sent the amount and on XX/XX/2018. This paid the balance and on XX/XX/2018 I received a check in the mail from Chase for {$100.00}. I was confused so I called. I was advised that this amount was sent back to me because we overpaid. I asked if the account was closed and the rep advised that it was. I assumed my account and dealings with chase were over. About a month later I received a bill in the mail saying I owed chase {$52.00}. I called and was advised this amount was interest charged to the account. I attempted to explain that chase sent me a check for {$100.00}. The representative advised that should not have happened. She advised me I would need to pay the interest or they would report it to my credit. I have attempted to resolve this issue with Chase. However they charge me {$15.00} fees every month that this mystery interest is not paid. I did my due diligence. I called and asked how much the payoff was. I called and asked what the check was for. I was advised the account was closed and now all of a sudden I owe them more interest. This is very deceptive and has damaged my credit report. We paid a large amount of interest to chase while the card was opened and now after i have closed the account with the information they gave me. They are advising I owe them more. If I owed them {$52.00} why did they send me {$100.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DOAN SOLUTIONS
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX calls repeatedly about a " federal loan '' that is not pertaining to me at all. When I call them and tell them about it they will say I'll be put on the do not call list and not bother me, but then still call me every week and sometimes multiple times in a day ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have contacted the XXXX  about Wells Fargo not going by a fraud alert that they dismissed when someone tried to get credit in my name. They have supposedly been looking into this for over a month now but their fraud dept can not explain why they didn't call the number on my fraud alert which is with ALL credit bureaus. I want this hard inquiry removed as I did not apply for credit with them. REMOVE from all 3 bureaus.

I ONLY knew of this issue because XXXX XXXX told me they pulled and I was sent a denial letter when I never applied.

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 2018-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Bankruptcy on my credit report was not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). After providing them with numerous documentation, their response was the Bankruptcy was verified. On XX/XX/2018 I provided Equifax with a letter from the Bankruptcy Courts here in XXXX XXXX XXXX, FL. Stating they do not report to them. I also provide them with a copy of the XXXX XXXX freeze letter from them, explains the freeze on my account with them. Equifax has failed to verify or Vaildate this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was having difficulty making my student loan payment to Navient. Subsequently I used 3 years of forbearance time. Rather than being advised on a payment through an Income Based Repayment plan, I used all my forbearance time towards the beginning of paying off my student loans. So, in XX/XX/XXXX, a total of {$18000.00} of capitalized interest was added to the total of my loan. At that time, I re-entered an Income based payment plan which I have been paying from XX/XX/XXXX until now. I have missed a few months payments, but am doing the best I can to make all payments timely. Unfortunately due to the excessive forbearance time I used and subsequent capitalized interest, the payments I am making are not even covering the interest that is accruing. Therefore, the total balance of my loan is growing despite all the payments I am making. I believe if I was properly informed at any time during the 3 years of forbearance, I would not be in this situation. Now, if there is an imminent need to use forbearance time during a short-term financial struggle, I would not even have that available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
I NEED A LIST OF ALL PAYMENTS MADE VIA XXXX OR XXXX XXXX BETWWEN XX/XX/XXXX TO XX/XX/XXXX SENT TO RECEIVING CODE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
I owe XXXX to XXXX XXXX  for a title loan. I took out a loan for XXXX I have been paying on for almost 2 years. I have paid almost XXXX for a XXXX loan. I valled in XX/XX/2018 to pay off the loan and they would not accept my payoff stating that i could not pay off over the phone however, i had been making payment for the last 2 years over the phone. XXXX XXXX has my correct address, phone number, sovial security number and drivers liscense however, they continuiously contact my family members and attempt to collect thos debt after i already tried to pay ot off. Just today at XXXX. They contacted my mother and father who are both elderly and fighting XXXX and attempted to get information about me from them even though they know exactly where i live and they have my contact phone number. They call me several times a day and send several text messages. I asked them to please stop calling my family and they stated that they would continue to call until the remIning amount of XXXX was paid. They have contacted both my daughters, my daughter in law and my mother asking for information evennthiugh i have been in contact with them via phone and text message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian claimed to place a security freeze on my credit based on another CFPB complaint due to fraud in XX/XX/2018. Experian never mailed me a PIN number. Through the online system, i could tell that no freeze was placed. I filed a second CFPB complaint that seemed to work - the online system verifies a freeze in place. The issue is that Experian has not sent me my PIN through multiple online and 2 separate mail attempts since XXXX to retrieve or prompt for the PIN. Online attempts say that they are unable to honor my request and to mail the information in. I have sent the mail format along with requested documentation in twice! I am unable to get in contact with anyone at the company to assist with identity verification so that I can retrieve my PIN.

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAAs XXXX service does not have adequate fraud protection. I attempted to purchase an item on XX/XX/XXXX for {$150.00} utilizing USAAs XXXX service. Once it was realized that the item was not delivered, I called USAA within the hour to cancel the transaction and was told that it couldnt be cancelled. I then filed a dispute on the transaction which was subsequently denied. 

Since the XXXX service is offered through USAA, there is a level of trust that USAA and all of its services have adequate processes and protections for its customers. This particular USAA service requires you to provide information on the other person to verify authentic accounts, adding another layer of trust that personnel receiving the money through their establishment is authentic, and USAA has the proper protections in place when users are added. 

USAA offers a service that fails to protect its customers. USAA has a subpar approach to this service ; grossly undermining the customer protections while falling quite short of communicating the risks appropriately.

My request has 3 parts, 1 ) Remove this service, 2 ) if not removed, offer the protections that are required and expected of USAAs typical platinum service, 3 ) refund the {$150.00} due to the lack of protections that should be incorporated when services include the USAA brand name. This USAA service, and accompanying processes, fails to achieve the basic standards of customer service that is typically inherent with USAA values. If the response to this complaint falls along the lines of, weve done all we can do and is authorized by contracts and law, USAA will have completely lost my trust in its intent to maintain the pristine service culture that Ive grown to love in my last 15 years as a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a prepaid business credit card with XXXX XXXX XXXX in XX/XX/2018. My initial deposit was {$500.00} for a credit limit of 90 %, which is {$450.00}. I made subsequent deposits inside a branch on the following dates : XX/XX/XXXX added {$250.00} XX/XX/XXXX added {$50.00} ( I was told by branch manager limit should become {$800.00} today ) XX/XX/XXXX added {$500.00} Today, I returned to XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The branch manager didn't even acknowledge me, even after speaking with each other last Thursday XX/XX/XXXX. My credit limit remains at {$450.00} and no one can tell me where the other money is! 
I spoke to XXXX XXXX. She called the business credit card department in XXXX Alabama. She was able to send an email to an underwriter. We agreed to send a hand written letter to the underwriter. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
repeated calls throughout the day when a payment is past the due date

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 2018-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does Trans Union, XXXX, XXXX  need from me to move this process forward??

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 2018-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal " limited '' my account so that I can not withdraw or transfer the funds in the account. They asked me to upload a copy of my passport, my state ID card, my social security card, and to change my password. I did all of these steps right away. However, they refused to take away the account limitation, as they said I uploaded two passports : a XXXX  and American passport. This is a lie, as I do not have a XXXX  passport, did not upload one, and do not see any record of a copy of one having been uploaded in my account. Now, PayPal has frozen my account for 180 days and I can not access the money, although I have offered to supply additional or alternative documentation of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
MONEYGRAM FAILED TO FURNISH ALL DISCLOSURES REGARDING INVESTIGATION REQUESTED FROM XX/XX/XXXX-XX/XX/XXXX. WE ACCIDENTLEY PAID XXXX XXXX XXXX FRAUD INDUCED WIRE TRANSFER TO REC CODEXXXX BETWWEN XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On the internet, XXXX keeps appearing, promoting their anti-aging product saying it can be tried for free, just pay shipping and handling. I finally said " yes '' to their teaser promotion but sorry I didn't read their terms and conditions because it was long and in small prints. I was billed on XX/XX/XXXX for two shipping charges {$4.00} and {$4.00} on my Bank of America ( BA ) credit card statement dated XX/XX/XXXX which I paid. Then I got another set of the products in the mail and subsequently billed for two ( 2 ) {$89.00} and two ( 2 ) {$88.00} on my XX/XX/XXXX statement, the prices of which I was not aware of since the co. never revealed them, even on their website which I viewed after I got BA 's decision. I immediately called radiant revive and BA to dispute those charges whereby BA issued four ( 4 ) claim nos. until further investigation. On XX/XX/XXXX however when I checked my on-line statement, the amount of {$350.00} was charged. I called BA who said it was my fault that I did not follow the terms of the co. and it's buyer beware. I said I was willing to send the items back since I didn't even use them but their minds were closed. I filed with the XXXX XXXX XXXX in XXXX, SC on XX/XX/XXXX but nothing came out of it. I left for out-of-the-country on XX/XX/XXXX and returned XX/XX/XXXX. During that time I kept trying to get info from either of them ( XXXX  and BA ) but was unsuccessful. I saw that BA kept charging me late fees and interest but I tried communicating by email but got no response. I couldn't call because of the inconsistency of WIFI in the XXXX. I paid {$380.00} on XX/XX/XXXX because BA kept sending past due notices so I closed my account. This lesson has taught me not to deal with BA, being it is not consumer-oriented. As a result of this incident, my credit plunged down from XXXX to the high 600 's.

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 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
PLEASE FURNISH ALL WIRE TRANSFERS MADE BY M FROM XXXX OR XXXX XXXX FROM XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, XXXX, Equifax need from me to move this process forward??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, Experian, XXXX  need from me to move this process forward??

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 2018-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I requested a re-audit of my qualifying public service loan forgiveness employment in XX/XX/2017. I have yet to receive any response on the request despite calling on more than one occasion to follow up. XXXX has refused to certify months during which I was employed by a qualified employer and otherwise complied with all requirements for public service loan forgiveness. At one point I was considered " ahead '' on payments because I was admitted to the auto-payment program but was not aware of the fact that I was admitted. As a result, in the month that I was admitted, I made a manual payment and an auto-payment the same month. For months thereafter, while working at a qualified employer, XXXX has refused to qualify my service until I went a month without paying so that I would be considered no longer " ahead '' on my payments. In addition, the month I was instructed not pay so that I would no longer be " ahead, '' also did not count despite continuing to be employed by a qualified employer and complying with all other requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
Bayview Loan Services still continues to lie about the facts of my complaint.

1. They have yet to disprove my claim of the over paymentom my loan. Their answer is, " this matter closed. '' If indeed the amount of the refund of {$2600.00} was incorrect, this should have been resolved at the time the check amount was agreed upon. The issue of the check at {$2600.00} is their admittance that the over payment amount, with the check register I sent them, from my bank account, was correct.

2. Since they have admitted their incorrect accounting, no late fees should apply. These need to be removed. All payments have been received by Bayview before the XXXX  of the month. Again, I sent a copy of my bank statement showing the dates all payments cleared. It took Bayview nearly 3 months to refund my money, yet I do not get to charge them a late fee or interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Applied for capital one credit card and got accepted. XXXX XXXX saids i did not get accepted and lowered my score when that is not correct. XXXX XXXX saids to contact this site. It gave me a inquiry.

Company response to consumer: Closed with explanation