vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
XXXX XXXX the original creditor mailed the bill to the wrong address. And I should not have had to pay it through collections, This is hurting my score when I paid it once I found out. I am asking the CFPB to remove the debt on the grounds of never ever receiving the original bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage provider is Mr. Cooper aka Nationstar Mortgage. I spoke to them in XXXX regarding a Forbearance plan and was given their traditional forbearance option which requires full repayment at the end of the forbearance period ; Several weeks later, I received a letter stating that my loan was Federally backed which also indicated that my options would be different vs. a traditional non federally backed forbearance plan. When I asked to switch to the FHA backed forbearance I was told that at the end of their plan they would switch me to FHA ... if my forebearance was extended which was yesterday and again, it was not switched to the FHA plan. Fortunately, I was able to make my payments but currently struggling to make my XXXX and XXXX payments. Yet, I am being consistently told as current as yesterday, XX/XX/XXXX, that FHA backed forbearance plans function No differently from the rest of the forbearance plans, ( but it is clearly different to me ) and that I will need to pay the late payments back at the end of the Forebearance period or if I qualify their XXXX be other options. I was also told that my response to Mr Cooper when asked, Why are you now able to make the payments if I end the forebearance or at its end will determine what kind of options I am given??? This makes no sense and does Not follow the Script that Mortgage Companies are to follow for Government backed mortgages such as mine, ( XXXX XXXX ). As a matter of fact, Mr. Cooper Never even informed me that my mortgage was FHA ... I had to tell them after they stated to me that their traditional forbearance which requires full payment at the end and they still refused as of yesterday XX/XX/XXXX to extend my plan following FHA guidelines. I do not believe or trust Mr. Cooper ... this is the third person I spoke to on XX/XX/XXXX, and have received different misleading information from all of them?????? Who do you believe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/XXXX I opened a new Apple Card issued by Goldman Sachs. The new card offer includes a {$50.00} promotion. To get the {$50.00}, the cardholder is required to purchase an Apple service of any amount. I was not given the {$50.00} and the resolution I am seeking is to get the {$50.00} promotion. 

I tried to purchase Apple Music {$4.00} with my Apple Card to satisfy the requirement. However, the Apple payment system requires that I use my gift card balance in my account first ( I had over {$40.00} at that time ) and is not giving me the option to pay with my Apple Card.

I contacted Goldman Sachs multiple times and emailed them 2 receipts ( Apple Music Purchase and an App purchase ) to prove that I did make the purchases but because of the Apple system setup there is no way I could pay for it with my Apple card issued by Goldman Sachs. They told me they will not give me the {$50.00} promotion because I did not use my card to purchase an Apple service. I explained many times over that I wanted to but the system wont let me. This is well documented on my account. I spoke with customer service representatives, 3 supervisors ( XXXX, XXXX, XXXX XXXX ) and finally a manager named XXXX who did not want to give me his last name and who also told me there is NO ONE else he can escalate my issue to. XXXX told me that I just have to use up all my gift card balance so I can then use the Apple Card to pay for an Apple service and therefore meet the requirement. I asked him why would I spend all my gift card balance, purchase Apple  services I do not need only to get {$50.00}? So his solution is for me waste my $ XXXX+ personal gift card balance on services I dont need to get the {$50.00} promotion. 

I also called Apple itself to see if they can help me since it is their payment system thats not giving me the option to pay with the Apple Card. I called XXXX and the representative XXXX opened a case # XXXX. The purpose of the case is to have someone call me back from the Apple Promotional Team per a XXXX. No one called me back. When I called back, I spoke with another rep and supervisor. Both confirmed that Apple requires that gift card balances should be used first before buyer can use a credit card payment. The supervisor told me that there is no promotional team who can help me and Apple cant help me and the only way is for me to spend all the money in the gift card balance ( {$43.00} as of XX/XX/XXXX ) so I can then use my Apple Card and meet the {$50.00} promotion requirement. 

Please help me get the {$50.00} promotion I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Called bank of America when I had the cash to pay the debt couldn't find the account.

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 2020-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They had 30 days to investigate and didn't. Now they are saying they will further investigate with new information. That is an FTC violation of the Fair Credit Reporting Act. THEY HAVE 30 DAYS PERIOD! Additionally in California per statutes 1013 and 641, which they must adhere to because they are doing business in California, mail deposited is by law consider received. Consequently they are in violation of California law. Lastly, when they cause damages, they are liable trebly ( for 3 times the total damages amount ) to the person they have damaged, due to their erroneous reporting.

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 2020-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have attempted to get my mortgage lender to call me about ways to help lower my payment using the FHA streamline refinance, as well as after paying my escrow balance current to do an escrow reanalysis to see if it would lower my escrow payment at all so that my monthly mortgage payment would be more attainable. After several calls to them, and requesting several calls from my lender they do not call me back at all. Their automated system is confusing and convoluted to get an associate on the phone which makes it impossible to even work with 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 2020-08-07 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: Nelnet, Inc.
State: MI

Complaint narrative:
For the past several years I have had excellent repayment status on all of my credit reports for Nelnet and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from Nelnet and most notably the Department of Education. I have many examples from my XXXX  credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! Nelnet and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX I was notified of fraud on my card. Contacted Capital One and they closed account and issued new card. 

XXXX I filed a fraud complaint with FTC for the credit card and additional fraud on my taxes. Same time I placed a security alert with all the credit bureaus. 

XXXX XXXX  reported fraud to Capital One based on my security alert and the FTC report they needed. Someone failed to read the entire report since the fraud was already resolved by Capital One. Capital One closed my account and will not reopen. 

XXXX I submitted explanation letter to Capital One to have account restored. Have never heard from Capital One regarding this matter beyond my numerous calls and conversations with fraud supervisors. They have informed me that we have submitted all the paperwork needed and it was just a matter of time. 

Multiple other dates of calls to Capital One. Last one being today XXXX. 

I must get this resolved since a vendor returned {$940.00} to my Capital One card. I have no access to these funds per Capital One since account is closed. In addition, the account being closed I have also lost access to approximately {$420.00} worth of store points at Cabelas. 

I am simply asking Capitol One to restore my credit card which should allow me access back to my points and allow me to receive a refund of returned funds. 

I've paid all my balances on the card which they were able to mail me an invoice after account has been closed. But in the meantime they have never reached out to me to resolve this issue since I have no access to account. 

I look forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC does not allow me to link my own checking account to other banks. They hold my own money, charge me ridiculously high fees just to have a savings account, and then allow scammers to easily access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
My ex wife was supposed to take my name off of the XXXX  account and did not and even though my name is not on the account as per the collections company and the account was paid by my ex-wife they still will not immediately take it off of my credit report. 





Below is the payment to collections for XXXX XXXX XXXX XXXX, account XXXX. XXXX did not know he had to return the old receiver. When The account was transferred over to his name, the representative messed-up and kept your SSN on the account. 


Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX CDT To : XXXX Subject : Payment Confirmation Dear XXXX XXXX, Thank you for making your payment in the amount of {$290.00} for reference number XXXX. 

Please allow up to 3 business days for this payment to be reflected on your account. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Name, address and history of Collections Company SEQUIUM ASSET SOLUTIONS Last reported XX/XX/2020 {$0.00} Reported balance Original balance {$290.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/2020 ( 2 mos ) Account status Closed Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name SEQUIUM ASSET SOLUTIONS  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc not allowing XXXX XXXX access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: MI

Complaint narrative:
For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my XXXX credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.

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 2020-08-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my Experian credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! Experian is just as guilty for allowing their illegal practices to  continue.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Reference case # XXXX. 

This was closed prematurely and I have been continually trying to follow up with Chase before re-submitting here. 

Please investigate my dispute according to the original case, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
In XXXX of 2018 we were victims of the path of Hurricane Michael, I had no access to internet or phone for a significant amount of time, was out of my job, and barely had a place to sleep. I have contacted Monterey Financial on MULTIPLE occasions to see if there was any way they could take me out of the Career Step financing I had scheduled because of the disaster we were affected by and they refused to try and make any arrangements at all. I have called countless times over the last two years and every time I speak to someone they are nasty and rude and unhelpful. Its not an amount I can pay back especially because I couldnt ever take the class that the payments were for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I informed them I did not make these two transactions, first they said it was taken care of then the next day they added them back to my statement as if I have to pay them. I am never paying for these : XX/XX/XXXX XXXX  Quick CashOther Services ... XXXX {$80.00} XX/XX/XXXX XXXX ... XXXX {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Earlier this year I reviewed my free annual credit report and noted that it contained mostly information for my twin brother. I had the issue easily fixed with XXXX and XXXX Equifax has not fixed the issue. First, they erroneously gave me access to my brother 's credit report through myEquifax. Despite charging me for the account monthly ( {$19.00} on XX/XX/20, XX/XX/20 and XX/XX/20 ), they did not fix the mistake or grant me access to MY credit report. They claimed that I had not updated my address and they could not verify my information. Since the beginning of the year, I have sent Equifax multiple documents, including proof of Social Security Number, proof of address, and proof of identity. Not only has the issue not been resolved, but today they refused to let me speak to a supervisor and on two follow up calls the system would not even allow me to speak to a representative. It is my right to access my personal credit information. I do not know what to do to be able to access and dispute the erroneous information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Unfair and deceptive practices! We are at XXXX XXXX XXXX and decided to use PayPal to process our credit card transactions. We went online and processed the credit cards. PayPal said there is a 21 day hold on funds because XXXX XXXX wasnt used to do this, that I used PayPal Here. Which it also allows you to do virtual card processing. It is confusing and deceptive in order to hold money and make interest. They currently have a hold on over $ XXXX. With the country halfway shut down and money is tight they refused to offer any type of onetime resolutions. We sell a service not products so we do NOT have shipping labels.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have tried several times to resolve an issue with Navient, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : NAVIENT XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation