vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX/XXXX/17 I dispute I filed with Paypal was elevated to a claim ( XXXX ). Paypal has since closed the dispute and refused to refund money according to their policy.
On XXXX/XXXX/17 I purchased an item on XXXX via Paypal. The seller provided 2 tracking numbers over the next few weeks in response to queries about why it had n't arrived.
The seller provided 2 tracking numbers to me : 1 ) on XXXX/XXXX/17 - DHL : XXXX ( XXXX XXXX XXXX ) 2 ) on XXXX/XXXX/17 - USPS : XXXX ( XXXX XXXX XXXX ) Later, USPS sent a letter to confirm whether I had received the item. I had not and replied to their letter on XXXX/XXXX/17.
Paypal closed the claim, asserting the tracking number provided by the seller confirmed the item had arrived. I called Paypal and had the claim re-opened. Subsequently they re-closed the claim, once again asserting the tracking number confirms delivery ( it does n't ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I made an online {$290.00} purchase of a shower door at XXXX  using my Capital One XXXX XXXX Card.
Very soon thereafter I received a fraud protection email from Capital Once asking me to confirm that this was a legitimate purchase.
That same fraud protection email said " if your purchase funds were denied, please re-purchase '' 1st Capital One should know if they denied the payment. The fact they did n't know made me suspicious of the authenticity of their email, and 2nd and most importantly, I was not aware that my purchases can generally be denied merely because XXXX questions why I am buying a shower door from XXXX XXXX.
I have been a Capital One XXXX customer for at least 10 ( maybe 20 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I believe that Navient did not disclose full information regarding my student loan repayment options. I did not have enough money to make full payments on my student loans immediately after graduation ( XX/XX/XXXX ), I had called their help center and asked for options. I was only given the option of deferment. As a result, my monthly payments raised to {$360.00} by the time my deferment was over.
In XX/XX/XXXX, I called Navients help center again asking for a reduced monthly payment plan due to financial hardship. I was told that my only option was to sign up for a payment plan that would initially start me at payments of {$200.00} per month and after two years, would increase my payments to more than {$500.00} per month. I did n't like the sound of this plan and asked if there were any options to pay a lower amount over a longer period of time but was told that this was not an option. I accepted the revised plan but only made the minimal payments for two months during my difficulties. I have been making full payments since then which are extremely high considering the size of my loan.
Recent news articles about complaints over Navients repayment plans ( especially reports saying that I should have been offered other payment options ) have led me to believe that I have been illegally denied repayment options for my student loans. Please let me know if you think this is the case and if any legal action should be taken on my part.
I have attached my full payment history for this loan. Please let me know of any other documents you might need from me to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or 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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX we received a letter from our mortgage company stating that our mortgage was going up from XXXX to XXXX because of our future tax bills. ( Projected taxes XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ) I understood why this was happening it was due to a past due water bill that was assessed our taxes last year and we have since paid off. We spoke to the mortgage company last Friday and they said all we would need would be a letter starting our estimated takes for next year. So that is what I got. The person at the town hall said they can not give actual bills for XX/XX/XXXX and XX/XX/XXXX because the do not exists yet and will not exists till XX/XX/XXXX. I called the mortgage company today to see what my new bill would be and they said they can not make any changes because they " can not make changes on estimated amounts '' yet the amount the are charging us is in fact an estimated amount. What can I do. We really ca n't afford this XXXX more a month and the mortgage company does n't seam to want to work with us. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX XXXX, 2017 I applied for a home loan from Bank of America. I provided all of the documents requested, in a timely manner. I was assured that, based upon my credit score and income, I would qualify. On or about XXXX XXXX, 2017 I was informed that I had 2, less than 30 day late payments, on a previous house, over 7 years ago. The credit companies and the bank that held the mortgage said that they could not confirm the late payments, as too much time had passed and they did n't keep records that far back. Again, I was assured that the loan would approve. It was sent to an underwriter who questioned two of the late payments, even though they did n't appear on my first credit pull and could n't be verified. The underwriter then refused to approve the loan and sent it up to the next level underwriter, who reviewed the loan documents and was set to approve. He left on a family emergency this last Friday XX/XX/XXXX and upon his return, he reviewed my file and was set to approve it. His supervisor, for reasons that can not be explained, refused to let him sign off. It was n't declined and has n't been declined, as of now I still have no answer. Bank of America has practiced discriminatory & predatory lending practices throughout this entire process. I have a house in escrow and in 5 weeks have not been able to get an approval or refusal. They have left me in a position to now try and extend my escrow if the seller will approve, If not I will not be able to close on time and lose the house. They also asked me what I wanted to do as far continuing to escalate the loan for approval or just forfeit the loan and go somewhere else after 5 weeks of working with them. How can an institution like Bank Of American be allowed to string a customer along like this and find it acceptable to continue conducting business in this manner.

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 2017-08-08 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen made me sign a modification loan that expired in XXXX of 2017. The deal was to pay them {$100000.00}. Of course, I do not have {$100000.00}. Ocwen has been trying to take my house for 10 years. I am exhausted from their harassment. When I first got the loan, 20 some years ago, they kept my first 6 payments. They then kept me in arrears. I did make those payments. My accountant wrote several letters stating that I did make those payments. We have proof that the payments were made. They also put me in foreclosure several years ago when they were n't supposed to. Now they have me in pre- foreclosure going into full foreclosure, because they refuse to give me a modification loan. I lived in my house for 33 years. This should n't be. I am XXXX and do not want to leave my home. I hope you can help me stay in my home. They refused to take my Mortgage payments since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: NM

Complaint narrative:
*XX/XX/XXXX- Spoke to Transunion about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Spoke to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from XXXX stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.

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 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement (  NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. 
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure  while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX-XXXX-2017, I was denied a special 12 month no finance credit card from XXXX with XXXX XXXX to purchase a computer, printer, and software totaling {$1100.00}. I was only offered a credit card with a yearly fee. After receiving letters from XXXX XXXX explaining why I was denied credit based on Experian 's credit report, I discovered the reasons did not match my credit reports from all XXXX credit bureaus.
I have a high score, have never been late on a debt, never missed a payment on anything I owed, yet was denied credit. I have written the credit bureaus to remove accounts that are not mine, and have attempted to contact XXXX XXXX to no avail. I did let the store manager know of this situation, but no steps were taken to resolve this issue.

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 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has failed to remove a negative reporting from my credit report after repeated phone calls, mailed documents and online disputes. The item that is currently in violation of the FCRA section 605 ( a ) ( 5 ) is a XXXX XXXX XXXX account # XXXX showing a redeemed or reinstated repossession. By law, this account which did not result in a loss to the lender or the sale of the vehicle to offset the loss, does not fall under FCRA section 605 ( a ) ( 4 ) or section 605 ( c ) but under section 605 ( a ) ( 5 ) which only allows the adverse item to be reported no more than 7 years from the date the adverse item occurred. I have attached a detailed payment summary from XXXX XXXX XXXX showing the date of repossession and subsequent reinstatement as well as the fact the account is paid in full with XXXX balance with no loss to the lender. The repossession and subsequent redemptions latest occurrence happened on XX/XX/XXXX which would mean the reporting of the repossession and subsequent redemption should have been removed after XX/XX/XXXX. There were also no further 30/60/90 day delinquencies reported on this account after this date as well. This item still remains as a negative reporting as of this date despite repeated attempts to have it updated to no longer reflect the repossession, reinstatement or delinquencies. XXXX and XXXX have XXXX  updated their files to correctly reflect the paid in full status with no repossession, redemption or delinquencies since the redemption date ofXX/XX/XXXX. At this time, Equifax is in violation of section 605 ( a ) ( 5 ) and subject to civil sanctions if this reporting is not corrected to reflect the proper status of " paid in full with no delinquencies '' to be consistent with the law and what XXXX and XXXX are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2017, I attempted to gain verification and validation of the debt via XXXX credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # 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 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have contacted Navient on XX/XX/XXXX and spoke with 3 representatives - one was a supervisor. I noticed that my overpayments were not being applied to principal but only a credit towards the next months payment. I read Navients repayment allocation statement which said that they will apply overpayments to next months paymnet unless otherwise instructed. I called to instruct them otherwise. All 3 representatives assured me my payment was being applied to principal and that it 's a " computer glitch '' that shows a reduced payment. I then read them their own company 's statement with payment allocations. They still said the same thing. None of them could or would help to get my overpayments applied to the principal and not a credit towards next months payment. The supervisor told me the only way to avoid this problem is to enroll in auto debit and make another payment the same exact day they auto debit my account. I do not want to enroll in their auto debit. I 've asked to have my overpayments applied to the principal and they have refused to do so. Not one of them could explain to me how an overpayment could be applied to principal and reduce my monthly payment and none understood their company 's statement of how payments are applied. Navient is preventing customers from paying off their loans early.

Company response to consumer: Closed with explanation