vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has been harassing me non-stop over the last year with constant methods of trying to steal my money in addition to their exhorbitant processing fees they charge ( 30 % versus regular 1-2 % by merchant services ) because they say their internal security model is so superior they say. However for no reason and out of the blue today I got an email that says their going to seize a huge portion of all my credit card transactions to " build up a reserve '' even though I 've never had a chargeback against me and I 've made them a ton of money in fees over past 1 year. Please investigate them aggressively and get this nonsense off of my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: FL

Complaint narrative:
I am on the 120 month repayment an as I XXXX in a high needs area. When reapplying each year I was given a combination of incorrect phone numbers, incorrect fax numbers, different 'acceptable ' documents necessary, and told my documents were 'lost '. I was also given different information from different people. During theses times my loans were put into forbearance as to not have them go into default. While I am in good standing, thus has added several months of added interest and time that I have to repay. And it has happened every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: MO

Complaint narrative:
Equifax was asked by myself and XXXX card to remove 5  hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Leading up to XXXX 2017, I received communication from Navient Corp, that I would need to start making payments on my student loan for which I have absolutely no problem with. Included in the email correspondence was a link to their website, for which I took time to navigate and become familiar. Their website offers interest rate reductions if you enroll in their auto pay program. Accordingly, I signed up for that online in XXXX 2017. Furthermore, to ensure I was properly enrolling in the auto pay program, in order to receive the interest rate reduction, I scheduled an appointment with a Navient Corp representative, for which occurred on XXXX XXXX, 2017 at XXXX. The representative confirmed that I was enrolled in the auto pay plan, and that I should receive the interest rate reduction. On XXXX XXXX, 2017 I noticed I still had not received the interest rate reduction promised on their web site and verbally by the customer service representative, even though I have been making my payments as promised. I contacted Navient Corp by email on XXXX XXXX, 2017 explaining the aforementioned. The response I received was from a Navient Customer service rep telling me " You must be enrolled in auto pay to receive the interest rate reduction ''. I responded on XX/XX/XXXX and XXXX XXXX, 2017 explaining that I had indeed enrolled in the auto payment program, which I confirmed with a representative over the phone. I checked again on XXXX/XXXX/17 to see if they reduced my interest rates, which they still have not, and my balances are still accumulating at the higher rate. I am very upset and feel like they are doing this deliberately.
Furthermore, I asked the Navient Representative if I could apply for an overall interest rate reduction on the balances that I 'm being charged close to 7 %. She told me " No, our hands are tied and the rates are set by the Federal Government ''. I told her I could n't afford these high rates to please reduce them all to the 3.6 % rate I have on one of my loans. Again, her response was " No, we ca n't do that ''.
My name is XXXX XXXX. Phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX.
I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX  because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes.
After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX.
I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom this may concern, I have asked XXXX and Transition to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

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 2017-08-07 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: TN

Complaint narrative:
To whom this may concern, I have asked XXXX and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ME

Complaint narrative:
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: NC

Complaint narrative:
I have disputed this account on X/XX/2017 with the credit bureau. I have disputed this account also in X/2017. I also offered and sent this {$50.00} check to the company to pay off the debt and they refuse the payment and sent the check back to me. The company is refusing to cooperate with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XX/XX/XXXX school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. XXXX law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.

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 2017-08-07 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I paid for Lexington Law credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XXXX  school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. Lexington law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA

Complaint narrative:
I have been working with Mortgage solutions of Colorado since my original submission from XXXX & XXXX of this year to resolve in loss mitigation options. Unfortunately, I feel neglected during this process as I feel as my responses and compliance with all requests are not being taken into consideration.
I am being requested to re-date certain applications, where they have failed to review in a timely manner. Why is it that I am in fault for documents that have been outdated due to their negligence?

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 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
This is my 3rd complaint against Wells Fargo. I am trying to refinance my loan in a condo building in XXXX XXXX, Florida. I currently have my mortgage with WF and have for the last 10 or so years. All I need is a rate reduction and have been trying to do so for the last 8 months only to get the run around. They are saying the collateral is insufficient per investor guidelines, interpretating this they are saying the density exceeds allowed local/state requirements. I received a letter from the city of XXXX XXXX, I am attaching the letter, it states " Should the damage or voluntary removal of a portion of the structure not meet the aforementioned thresholds the structure may be rebuilt subject to the originally approved site plan ''. Wells Fargo is misinterpreting the letter and denying the refi. This is not a new purchase but a refi through the HARP program. They are also using the investor '' XXXX XXXX '' as the bad guy and XXXX XXXX has only said it is the servicer to make that decision. The condo association has ample insurance for the exterior and common areas, as well as I have ample insurance for the interior if and fact such a disaster should happen. Wells Fargo 's position is so Ludacris that if such a disaster occurred and if the city used new guidelines not the originally approved plans only a select number would be able to rebuild and the rest would be out of luck, I DO NOT THINK SO. It makes ZERO sense and the city did extensive research and concluded it can be built to the original approved plan. My other complaint with WF and they are COMPLETELY evasive with answering this, they refinanced another unit in the building in XXXX. Florida has every record that is recorded online and is public knowledge. All you have to do is go to XXXX County Property Appraiser '' Copies of recorded deeds and mortgages related to XXXX properties are available online at the XXXX County Records Division website. You may search for deeds, mortgages, liens, release of liens, court judgments, condo declarations, and various other recorded documents on their website ''. This is public information, Wells Fargo when I asked the specialist last time said " it has nothing to do with me ''. It has everything to do with me. We have the same address, same HOA just live in different units. Again, I am being discriminated against, a refinance with resolve this issue. Why is this so difficult?? My current rate is 6.75 % and it seems obvious that WF is cashing in on the interest and has made no effort to help me. The HARP program is suppose to help people, not hurt them

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 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been  processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed  on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: ERC
State: AZ

Complaint narrative:
On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2007, I did use my Chase debit card 5 consecutive times without knowing that I did not have enough fund to cover those transactions ( {$25.00} ; XXXX ; XXXX ; XXXX andXXXX ). For that reason, Chase did charge to me the amount of {$170.00} XXXX this is a {$35.00} each ). I did write a letter telling them that warning to me or decline the first time my debit card would be the right process to do, but Chase did approve these transactions and penalized me with all those astronomies charges, instead.In my letter to JPMorgan Chase, I did try to resolve the matter but the response I did receive it was a negative one and provoked the fact I had to close my account with that bank.
Note : I did not close my account because of those 5 transactions but because Chase did the same  process on 3 ( {$25.00} ; XXXX and XXXX ) more transactions which I was reluctant to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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:
The balance on my XXXX credit card has been reported inaccurately since XXXX 2017. I contacted TransUnion and XXXX to correct this problem on XXXX XXXX, 2017 and again after the disputed results remained inaccurate. The balance on the account has been {$0.00} for over a month and I submitted the XX/XX/XXXX bill to TransUnion with all transactions and {$0.00} balance as proof. XXXX reports are accurate in both XX/XX/XXXX and XX/XX/XXXX and shows a {$0.00} balance. TransUnion shows a balance much higher than my credit limit, as owed. This inaccuracy continues to negatively impact my credit score.  The TransUnion File # is 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 2017-08-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!

Company response to consumer: Closed with explanation