vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, I sent {$0.00} to XXXX through XXXX. I then sent {$190.00} to the same address at XXXX XXXX. The money was sent to pay for concert tickets. I authorized payment in order to receive the tickets. Once receiving the tickets for the XXXX XXXX concert on XX/XX/18 at XXXX, arriving at the venue, finding out the tickets were fraudulent, and talking to police I called my bank at XXXX. The bank proceeded to tell me that they were unable to do anything due to me authorizing the transaction and I should only use XXXX between family and friends. The only way I was allowed to send money to receive the tickets I thought I was purchasing was to authorize the transaction before my entire transaction was complete. There was no way of knowing that I was being scammed before authorizing the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
XX/XX/2018, I mailed my payment to XXXX XXXX XXXX at the XXXX XXXX   in XXXX, NC. 
At this time, my payment is not registered, no one referred me to the manager for assistance and to start an internal search for the money order of {$470.00}, my very first payment. Also, I demanded to speak to the manager or supervisor and left a voice mail message regarding the missing payment. No one has returned my phone call. I am positive that the payment is there with XXXX XXXX XXXX but has been misplaced or misappropriated on someone else 's account. I did not have a invoice stub, I simply placed the entire account number on the money order. The money order number is XXXX for {$470.00} dated XX/XX/XXXX. Also, this XXXX XXXX is not getting the gas mileage as the econo light keeps going on and off. The VIN is XXXX. While I am driving the check engine light comes on. This does not happen when I go to the service deparment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: AZ

Complaint narrative:
In early XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX who currently had my student loan that they were closing and that someone in the near future would be contacting me about my XXXX 's student loans. I had been trying to make a payment online like I usually did for months previously but the XXXX XXXX website would not go to payment page. I called and kept getting an automated response. So it made sense to me that the company closed or went under, it was not completed stated in the letter. About 3-4 months ago, now in mid XX/XX/XXXX, I began getting calls from a debt collector service, stating my student loan was in severe default and I was in collections. I checked my credit report and it stated I didn't make any payments and was severely late. I explained the events to the creditor and asked for official documents of the new lender. I even made a {$500.00} payment over the phone but no official documents were sent to me as requested. So I called and asked again after 2 weeks of no documents mailed, they said again they would mail it to me, another 2 weeks went by and they began calling me for more payments. I explained again I did not receive any documentation from a new lender. I reported the payment on my credit card as fraudulent as l had no documentation of a new lender or what was going on with loan. My credit card investigated, refunded me the {$500.00} and they didnt even send my credit card company the appropriate paperwork to dispute it. I was starting to think this was some type of scam. I was finally given an contact number for the supposed lender, financial group XXXX in NY. I called them a month ago 3x requesting official documentation or promissary note of my loan proving they owned it. Not a single paper of evidence or official document has been sent to my home. I have asked for it to be emailed and they refuse. This debt is showing very poorly on my credit and I can't even make a payment to anyone who has proof they own my loan now. I have no clue what to do at this point. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/XXXX my mother and I went the bank to refinance her existing HELOC to prevent it to going into the end of the draw period that will end XX/XX/XXXX, which will increase her payment substantially. You may be eligible to refinance your existing HELOC they wrote. The bank opened the loan on XX/XX/XXXX. 
My mother, at that time, was elderly, XXXX XXXX XXXX XXXX had XXXX XXXX. With her debt free home she was easily approved. 
Armed with credit scores in the high 700s as well as a fifteen year history of no missed payments, the banker thought it would be no problem to be approved to refinance the loan as we could not afford a {$900.00} per month increase. 
On XX/XX/XXXX I was told the underwriter found a {$1000.00} credit card debt from 20 years ago I had not paid. I said that was a mystery to me but I would be glad to pay it now. He said once you do not pay us we will never give you any credit. Your mother is however, approved. 
Few days later, we received a letter from their corporate off that she was denied credit because Applicant has poor or no previous experience with the credit grantor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: Credit Karma, LLC
State: NC

Complaint narrative:
Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXX that person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Consumer complaint for CitiBank : I went into the CitiBank brand on XXXX XXXX. XXXX XXXX, to request a stop payment on three checks, including two official checks, and a money order. All three were outstanding, at this point its been two-months. I did the paperwork, and was told theres a 90-day guarantee refund. As long as the stop payment is issued while the checks are outstanding, which occurred. Three checks have a stop payment, and the person who assisted me only have me options on the form, which was to mark lost/or stolen. After sitting with him for over an hour I felt confident. However, a couple weeks later, I realized he gave me no confirmation, or documents on the stop payments. I went back to the branch, he was busy, and I was brushed off by another banker, giving me only one print out at the time. Stating I could use it as the reference, which was the check number. Also she only gave me one print out, and said it  was good for all three stop payments that were issues. She also said my money back was guaranteed after 90-days. they were cashed shortly afterwards. To my horror surprised, when I checked the status of the checks after leaving the bank, Two of Three checks were cashed after I issued a stop payment. The purpose were due to dispute, checks that were made after the eviction was in process, and a detainer processed. They were not cashed, and for that purpose the person told the judge rent wasnt paid, and we were evicted. Therefore, to cash the checks afterwards is fraud. Im attacking dates, with emails, and documents. 

Stop payment # 1 Official Check Written out to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX From Business account Check number # XXXX For {$800.00} Date XX/XX/2018 From account ( XXXX XXXX XXXX ) account number # XXXX Rounting number # XXXX Stop payment # 2 Money Order To : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX For amount {$480.00} Date XX/XX/2018 ( This one I  believe came From my business account, I do not see it in the checking. Its under {$500.00} so I do not have the details. They helped me, but then couldnt track it again ). 

Stop payment # 3 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX The check I received my refund was for {$790.00} from checking account # 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 2018-09-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXXthat person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Men are calling my brothers business phone to collect an alleged credit card debt of mine from XX/XX/XXXX. They left messages stating they were from the " fraud investigations unit '' at XXXX and XXXX XXXX , XXXX. They are using two different names when attempting contact. They have my current address and telephone number. My brother received the most recent call on XX/XX/XXXX at approximately XXXX. They gave him the number XXXX and name of XXXX XXXX. I called them back at the same number at XXXX and asked for XXXX XXXX XXXX The male receptionist said he didn't have that name attributed to my case and asked for my account number. I explained I had only a reference number # XXXX and he transferred me to another male. This man asked me for my social security number. I told him I was uncomfortable giving my social security number out, he stated he had to verify who I was before telling me why he is calling and that he had my full social security number already, he then hung up. I immediately called back, asked the receptionist what the company name was, why they were contacting me, who did he transfer me to and why they are contacting my family members. The receptionist told me my name and address and explained he would transfer me to XXXX XXXX - the man handling my case. I was again transferred to the same man - now identified as XXXX XXXX. I asked him why they are contacting me and my family members, why I need to provide my social security number before he tells me what these calls are about and that his receptionist already has my name and contact information, he responded, " I have all of your information here, I just need you to verify the last four digits of your social security number to disclose why we are contacting you. '' I agreed to the last four digits only, gave him my last four digits and he told me this was a {$9600.00} credit card debt from XX/XX/XXXX with Chase Visa. I told him I did not have a Chase credit card then, now or ever - to which he said, he would send me the information in the mail and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX . XXXX   and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK, LIED CONSISTANTLY TO ME. I TRIED AND TRIED AND TRIED TO HAVE THEM ASSIST ME MODIFY MY MORTGAGE, THEY CONTINUILY LOST THE PAPERWORK, AND MADE THE EXCUSE, THAT THE TIME ALOTTED TIME WAS OVER, AND THAT I NEEDED TO APPLY AGAIN. 

NO MATTER WHAT THEY TELL CFPB THEY ARE LYING TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: SYNCHRONY FINANCIAL
State: GU

Complaint narrative:
I used PayPal credit to buy a XXXX XXXX ticket to my father in law. I purchased it XX/XX/2018 worth around $ XXXX-XXXX. Something goes wrong as he was flying on XX/XX/2018, the XXXX XXXX send a refund worth of {$1000.00} for the unuse ticket XX/XX/2018.The PayPal credit is Paid off. I on my side would like to get the money back but the PayPal resolution center want me to send documents such as my ID, Address and social security card scanned to their resolution center. 
I provided Driver Lincense with my address on it and my social security card the 1st respond I made. 
It was reviewed in there behalf and send me another email that the documents is incomplete. The 2nd time I send them my bank checking statement it included my address match all my accounts. But for the 3rd time  PayPal Email Me again requesting for additional documents before I can get my refund. I dont know what to do.. All my bank account are link to PayPal electronically for easy acces. I used the same checking account I paid PayPal for all my transactions. Somehow to get my money back is impossible. Please help me resolve the problem. I dont know who else to talk. I called PayPal for the matter but the rep. Just forward me to a recording system. I was on hold for 13 mins. Can no longer wait I decided to hang up. But provided them the documents they needed for my account at the PayPal resolution center.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TX

Complaint narrative:
My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TX

Complaint narrative:
My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: SC

Complaint narrative:
I received a call on XX/XX/18 regarding a medical bill, for my daughter, for services rendered in Florida ( I am a SC resident ) on XX/XX/18. The company, NPAS, claimed that I owed an undisclosed amount on said bill. I asked a few questions about when the bill was sent and what address was on file. Note, I had the bill from the hospital in my hand, stating that after XXXX paid their portion all I owed was {$39.00}, which has been paid. When she finally told me that a bill had been sent in XXXX to my address, I asked her what name was on the bill. She went on to inform me that the responsible party had been updated in XXXX. If that be the case, how did I get a bill in XXXX ... she couldnt answer me. So with that being said, I asked, if a bill had been sent to MY address in XXXX, but my name hadnt been updated until XX/XX/XXXX, how was I to know that it was for me? I told her had I opened mail not addressed to me, it could be considered mail tampering. She agreed and said that she shreds or will return to sender any mail she receives personally like such. She was advised that I never signed for treatment due to me being 700 miles away, and that this account needs to be researched further. She said she would open an investigation. I have the whole conversation recorded for my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
Atlantic Recovery Solutions called me on my cell phone at XXXX XXXX on XX/XX/18. They left me a vague message saying they were following up on a previous conversation we had. Literally 11 minutes later, they called me on my employer 's phone line from a different number and I answered. The employee, XXXX at first refused to say where she was calling from. She kept yelling at me " Did you get my email, did you get my email? '' and wouldn't let me speak. I then told her they do not have permission to call me at my place of employment. She then yelled at me " I can call you wherever and whenever I want ''. 

Her comments feel like stalking behaviors and I am concerned that my request to not be called at my place of empoyment will not be honored. Also disturbing- the email that she said was from her was sent by someone named " XXXX XXXX, not her. I don't know if a " XXXX '' even exists. I am asking that Atlantic Recovery Solutions cease and desist all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: MI

Complaint narrative:
I sent Navient, a total of 11 checks, in ( 1 ) envelope ( the same ) payable to Navient, totaling {$34000.00}, via USPS, Express Mail, on XX/XX/2018, to payoff my Student Loans. 
{$460.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Each check has my name, dollar amount, and account number written. 
Navient, only posted 1 check for the amount of {$240.00} to my Student Loan Account, on Monday, XX/XX/2018. 
My account is now showing past due amounts, and Ive been unsuccessful with telephone conversations with Navient customer service representatives. 
Im totally frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: NC

Complaint narrative:
I returned merchandise to XXXX XXXX on XX/XX/XXXX and my Amex Serve card was used for that transaction. The merchant issued a refund credit to my Amex Serve card on XX/XX/XXXX for {$210.00}. The original charge was {$220.00} so the refund credit is for the original amount minus the shipping charges. American Express has put my return credit on hold for 7 days and this is money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase bank of a fraudulent application submitted with his information without his consent. An account was established XX/XX/2018 and is being reported to his XXXX, XXXX and XXXX credit reports. An official dispute of this account was mailed to Chase XX/XX/2018 and was received verified with a return receipt. As of this date Chase has failed to advise the status of the investigation nor have they provided any clearance to my client concerning this matter being resolved. These actions are in violation of FCRA guidelines and violate my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief