vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient allows the payee to make payments online, but does not offer the option to complete a payoff online. I phoned in and asked the customer service agent if I could pay off one of the loans through them and she said yes. She processed my payment and told me that the loan was paid off. I received a confirmation number and email reflecting that payment. When I went back online to see if my account updated to reflect the pay off. This was not the case, the monies had been spread over all my loans. If the agent does n't have the authority to take a payoff they should not tell the payee this and take the payment online.
I have put in a request to Navient to either put my payment toward the loan that I requested to pay off or refund my monies. I should n't have to ask this. The option should be available already. Every effort should be made to help/allow the student to payoff these loans.
Navient has predatory loan management practices. The site is setup to discourage payoff by requiring mail in of pay off and choosing to only allow the student the option to make a payment ahead and the loan continues to accrue interest. Navient or any other loan servicing agent should NOT be allowed to offer consolidation that requires a student to have to allow them to apply 10 years of interest on the entire loan just to have one loan. This is worse than the housing crisis.
If you have to mail in a payoff, the payee continues to accrue interest on that loan awaiting the payment to be received. The payee should be able to make payoffs online in real time. Why is Navient allowed to not offer payoff online?
Why is the customer service number not located on the front page? why does the payee have to search for a contact number?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have asked the credit reporting agency experian to investigate information that 's incorrect on report. I do n't believe they even investigated anything accounts all should be in bankruptcy. Experian will not srnd me any validation stating legal obligation to any of the accounts that are incorrect. Experian will not send me payment history. Furthermore no account shoulf have negative remarks my bankruptcy is now discharged.

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 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
Hello, Yesterday ( XXXX ) afternoon, around XXXX cst, I attempted to transfer money from my " XXXX XXXX '' to my main account. I have since tried multiple times without gaining access to my funds. XXXX XXXX allows me to budget during each week. The money is still in my account & visible but I can not spend it until I transfer it back to the primary account. I have continuously received an error stating the feature is not currently available via app & their website. I have contacted them by phone, unable to get to a live person, by email which advised me that service was also down after I pushed send & through their XXXX customer service & received an auto reply. All without getting an answer. There, on XXXX, I saw others were having the same issue, some had not received their direct deposits as of last night. I just need access to the last of my funds, {$50.00} before I end my relationship with this company. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We applied for the home equity loan in early XX/XX/XXXX. XXXX XXXX  received all of the necessary documentation that he thought would expedite the loan process. The Appraisal came in at ( appox {$410000.00} ) a lot lees than what we felt our home value is. It was based on properties, with less sq footage and acreage. I called XXXX XXXX about the appraisal and he stated they could only use properties within 5 miles, that were sold in our area during the last 6 months. Not sure if this is accurate or just an excuse.
Attached is the email I sent to the Chase Mortgage team onXX/XX/XXXX. We did not get a response to my email. I sent another email to them onXX/XX/XXXX, since they had previously requested withdraw information from my 401K. Again no response.
Attached is the final email I sent to them regarding I our intent to not proceed with the home equity loan # XXXX. I followed up with a personal phone call to XXXX XXXX  and confirmed our intentions concerning the loan with him.
On XX/XX/XXXX we received a statement of credit denial, termination or change. We feel this statement could show up on our credit report and have a negative impact. The statement states ( we are unable to approve your application at this time, for the following reasons : 1 ) Value type place or condition of collateral insufficient or unacceptable. 2 ) MI is not available?
I called XXXX XXXX on XX/XX/XXXXabout the statement. Left a message on his answering machine and to date have not received a call back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX I consolidated XXXX student loans. XXXX was paid in full and removed from the equation. XXXX reaged the date of major delinquency to XXXX. Clearly they were already out of the equation and this is incorrect. Attached documents include an Equifax credit report from XXXX XXXX prior to consolidation proving date of major first delinquency to be XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
On or about XXXX XXXX I spoke to a representative at Midland Mortgage and explained that I was experiencing extreme financial difficulty due to a family crisis and would like help with my mortgage payments to avoid late fees and negative credit reporting ( if  applicable ). The representative did a financial intake of my current expenses and offered an alternative payment plan where I would pay 1/2 of my XXXX payment and add the balance of the XXXX payment to the XXXX and XXXX payments. I received written confirmation from Midland on XXXX XXXX. The letter stated that on XXXX {$780.00} was due ; XXXX {$1900.00} was due ; and on XXXX XXXX$1900.00} was due. I called on XXXX to pay the agreed upon {$780.00} as agreed. The Midland Mortgage representative and supervisor stated that the agreement was " entered wrong into the system and the system had cancelled the agreement. Therefore the entire mortgage payment was due AND late fees are accrued on the account. '' I payed the entire mortgage payment. However, my concern and complaint lie in the fact that Midland Mortgage clearly did not hold up their end of the agreement, did not attempt to eliminate the late fees and seem to be engaged in practices not conducive to customer satisfaction. At the very least, the late fees should be eliminated. I contacted the mortgage company prior to the payment becoming late and sought assistance from them in advance as the company states on its website and on their recorded phone line. My experience determines that Midland makes false promises and engages in practices that involve unfair practices. We made a verbal agreement and I received written confirmation of our verbal agreement. Midland Mortgage should not be allowed to retract or renege on the agreement.
Please help me to eliminate the accrued late fees and investigate Midland Mortgages customer support practices. I will forward the letter to you as verification of my complaint.

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 monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
Transaction ID : XXXX Comptroller of Currency XXXX XXXX, 2017 Copy of letter to Bank Officers Hello,. XXXX XXXX XXXX XXXX is attempting to release an authorization/hold on customer 's card for a car rental that is paid in full. The hold should not be there as the company was already paid. XXXX wants the inappropriately held funds released.
Details : 1- The car rental was in the name of card holder 's spouse. The amount paid in full via customer 's AMEX SERVE was {$620.00}. The additional amount inappropriately being held is {$490.00}.
2- Card holder contacted AMEX Serve Customer service. Both the customer service person and the manager understood the problem, but stated that even though the authorization/hold should be immediately released, their automated system prevented them from doing so. They provided the release number of # XXXX to XXXX XXXX. XXXX said everything is released on their side, and that the date should be changed on the hold -- to today ( XXXX XXXX, 2017 ).
3- Again, XXXX XXXX indicated that the date of the transaction should be changed and the funds immediately released as they have been paid already. They offered to third party call in to AMEX to resolve the matter this morning. XXXX XXXX offered to fax AMEX Serve a cancellation document, or call Amex Serve directly to release these funds ( {$490.00} ). Again, AMEX customer services simply reiterated their policy.
4- I am writing to you for your help today to release my funds. For a working person, these inappropriately held fund are the difference between paying rent and eating, and literally being hungry.
I tried to get in touch with XXXX XXXX as well.
This is a unique situation where the merchant has already been paid. The merchant is attempting to cancel the authorization. And the merchant is attempting to contact AMEX to resolve the matter this morning.
Thank you for your help. Card Holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.

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 2017-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I linked a bank account and transferred {$100.00} on XX/XX/XXXX. On XX/XX/XXXX I was notified by Coinbase that the transaction was reversed due to nonsufficient funds. I checked with my bank, who confirmed that the transaction completed. I have emailed Coinbase everyday for over a week without any response. The only thing I receive is an automated message that they received my email message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: LA

Complaint narrative:
Alliance One sent a communication ( 15 USC 1692 a 2 ) to this consumer, XXXX XXXX XXXX, dated XXXX XXXX 2017. The communication clearly reads that this is from a debt collector ( 15 USC 1692a 6 ). XXXX XXXX is a consumer as defined in 15 USC 1692a 3. The communication indicates an account below the consumer 's name. Within consumer law an account, as defined in 15 USC 1693a 2, is an asset account involving personal, family, and household ( which means consumer account ). A financial institution is defined in 15 USC 1693a 9 as any person that directly or indirectly holds an account belonging to a consumer. Several violations have occurred as described in the FDCPA : 15 USC 1692 b 2 - shall not state such consumer owe 's a debt ; 15 USC 1692 c - contact without prior consent ; 15 USC 1692 e 10 - false representation or deceptive means ; Due to these fraudulent means to collect an alleged debt, this consumer is claiming actual damages in the amount of {$100000.00} USD pursuant to 15 USC 1692k a 1.Research indicates that this entity- Alliance One - shows an annual revenue of {$20.00} to {$50.00} million dollars. XXXX, consumer, creditor, expects payment in 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Several times I. notified PNC bank that i dont want a debit overdraft coverage. and the bank used to charge me a debit overdraft fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I sent XXXX Euros to Coinbase.com via wire transfer and the money was not credited into the account nor refunded in my bank account.
The money was sent on the XXXX XXXX XXXX 2017 and I wrote them on the XX/XX/XXXX the first time. They replied with an automatic response on the XX/XX/XXXX but the answer was totally not related to my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I was contacted about a debt on a XXXX XXXX XXXX bill. 

I handed in my XXXX XXXX XXXX modem and box to the store and confirmed my bill was settled on the account. 

Credit Management sent me a bill for this. It now has been reported on my credit report as an uncollected debt. It has lowered my credit score by greater than 100 points. 

How can I get this removed?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.

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 2017-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
ON XX/XX/XXXX. MY MONEY WAS WIPED CLEANED FROM MY XXXX XXXX CARD. THIS WAS OVER {$750.00}, THAT MY DAUGHTER RECEIVES FOR HER XXXX. I CONTACTED XXXX XXXX, AND WAS INFORMED THAT MY ACCOUNT PIN WAS CHANGED, AND THE MONEY WAS TAKEN OUT OF MY ACCOUNT AT TWO DIFFERENT LOCATIONS. I WAS TOLD THAT THIS OCCURED AT XXXX XXXX. I WAS ALSO INFORMED BY XXXX XXXX   THAT THEY ISSUED MY CARD TO THE WRONG MAILING ADDRESS. I WAS INFORMED BY XXXX XXXX THAT I WOULD HAVE TO FILE A FRAUD CLAIM REPORT. THEY ALSO INFORMED ME THAT THEY WOULD BE SENDING ME A NEW CARD, HOWEVER, THEY STILL CONTINUED TO SEND THE NEW CARD TO MY OLD ADRESS. I RECENTLY RECEIVED MY NEW CARD, HOWEVER, MY MONEY WAS NOT DEPOSITED BACK TO MY ACCOUNT. I ALSO RECEIVED A LETTER STATING THAT THEY WERE TRYING TO CONTACT ME, AND BECAUSE THEY COULD NOT GET IN TOUCH WITH ME, THEY ARE CLOSING ME CASE. PLEASE NOTE THAT WHEN I RECEIVED THE FRAUD QUESTIONARE, I FILED OUT AS MUCH INFORMATION, THAT I COULD. I ALSO SUBMITTED MY TELEPHONE NUMBER. NO ONE CONTACTED ME. I 'M NOT THE ONLY PERSON THIS WAS DONE TO. WHEN I WENT TO SOCIAL SECURITY, THERE WERE OVER 100 PEOPLE MAKING THE SAME CLAIM. XXXX XXXX, AS WELL AS SOCIAL SECURITY HAS KNOWN THAT THERE HAS BEEN A PROBLEM WITH THESE CARDS SINCE XX/XX/XXXX, HOWEVER, THEY NEVER SENT OUT ANY ALERTS, THEY NEVER ISSUED ANYONE NEW CARDS. I RECENTLY RECEIVED MY NEW CARD, NOW IT HAD THE GOLD SEAL. XXXX XXXX, IS NOT A CARD THE GOVERNMENT SHOULD USE. SOCIAL SECURITY ENSURED EVERYONE THAT THIS CARD WAS SAFER THAN GETTING A PAPER CHECK, HOWEVER, TODATE, THEY WILL NOT HELP ASSIST PEOPLE WITH GETTING THE MONEY THAT WAS STOLEN. XXXX XXXX, KNOW THE LOCATION, THE PERSON WITHDRAW THE MONEY, HOWEVER, THEY ARE REFUSING TO REFUND OUR MONEY. PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Weltman, Weinbert & Reis sued me for a debt that was never mine. I incurred charges against an old XXXX credit card, which were fraudulent. Eventually I signed an affidavit with XXXX stating these charges were not mine and were the result of fraud. The matter was settled/closed. XX/XX/XXXX XXXX XXXX XXXX began trying to collect this debt. I called them and told them the matter and disputed this on my credit report, which on at least one bureau the negative info was removed from my report. XXXX then sold this " debt '' to Weltman, Weinberg & Reis, who then sued me. I paid this debt on XXXX to avoid going to court. This is very embarrassing for me and would have been worse, had I gone to court and been portrayed as a dead beat. Look at my credit report and you can see I pay my bills and have great scores. I paid {$1400.00} to close the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
As of XXXX/XXXX/XXXX I attempted to go into the facility and make my payment using the payment methods that the company offers representative stated there system is down I asked would any interest that occurs daily would be waived rep called corporate ask to waive any addl fees was told no needed to make payment,. I went back the next day which was XXXX/XXXX/XXXX to attempt to make another payment mind you not I do not use a cash method due to tracking purposes this is '' why '' the system was down again came in Monday XXXX/XXXX/XXXX again to make a payment she advised system was still down asked if she could please attempt to try to take my payment In which she did and the payment went through. Now here we are again my bill is due went in to make a payment XXXX/XXXX/XXXX system is down again and it will be down per XXXX for an estimated week and yet no addl interest will be waived. the interest is 179 % at this point I am exasperated with the companies failed attempts for customers to make their payments regardless of what method is used I do n't live in the area so to keep coming out of my way and attempting to make payments and still be charged interest because of there system issues is not sitting right with me as a consumer. Just as they have their payment methods that they accept as a business mind you not I have the right to have my methods and be able to make a payment without issues and being charged extra fees because of their errors.

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 2017-08-19 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: CO

Complaint narrative:
I just filed a complaint against Equifax for incorrect information on my credit report. EQUIFAX is refusing to report correctly. It is my information. I have a right to it accuracy and the info. EQUIFAX was incorrectly reporting the verification that XXXX was included in the bankruptcy incorrectly. That XXXX was not included in the bankruptcy. EQUIFAX is required by law to report the information correctly. They still have the wrong dates reporting for the bankruptcy and the type, so by law it has to be removed. My report is not right the bankruptcy info is still wrong. They have tried several times to add it and can not get it right. It is unethical and illegal to report inaccurate information. The responsibility can not be passed simply because they are getting paid to report. My bankruptcy is an official record and the information can be easily verified.

Company response to consumer: Closed with explanation