vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
In a recent check of my credit score, I noticed that PHEAA is reporting a default on a student loan that they say I took out in XXXX. After asking for validation and verification, I finally received a " Promissory Note '' that looks good until you get to the borrowers signature line. The promissory note that they forwarded to me, was not signed by me or anyone else. The borrowers signature line simply contains a bunch of numbers that look like my social security number, birthdate and other meaningless numbers. 

After receiving the promissory note, I took it to my attorney who agreed that a promissory note needs a signature by me in order to be a valid, enforceable contract. In order for PHEAA to recover on this promissory note, it needs to prove that the defendant ( me ) signed the promissory note, they need to prove that PHEAA currently owns or holds the note, and they must prove that the loan is actually in default. Therefore, PHEAA MUST provide me a SIGNED promissory note, as well as other documents showing an unbroken chain of assignment from the original creditor to the plaintiff. 

On XX/XX/XXXX, I was informed that PHEAA has now forwarded this debt to a collection agency. This action has added thousands to the debt the say they own. My lawyer and I are giving PHEAA 30 days to provide us with a signed promissory note, as well as the documents showing the unbroken chain of assignment. If those documents do not arrive, we are prepared to present evidence to a judge in common pleas court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Hello, I am reporting Barclaycard services. I have a credit card with them for over 5+years.  The account is closed and have been making my monthly payments. My online account was locked and it is requesting my account number to reset password. I do not have my account number, and the card is destroyed as the account is closed. I called Barclay services today XX/XX/19 at XXXX to get my account number to reset password. They are telling me they are not able to give me my account number because it is on the card, and they can't issue me a new card as the account is closed so my only option is to contact them via phone and pay over phone with a fee until the card is closed. This is credit card fraud, and I will not be paying over the phone this bill and this debt will not be paid and will forgo legal charges against them for debt fraud.

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 2019-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was initially set up for a payment plan even though I notified Navient that I was unemployed and still attending XXXX school full-time. My husband has paid the payments on the payment plan going on for two years. The plan they have me on increases amounts each time the program ends, and I have to reapply for the plan. It was conveyed that my payments were due on the XXXX, even though I was told I could make the payments by the XXXX of each month. I submitted a new application for the payment arrangement, and when I called to make sure my request been received, I was told yes. However, the problem hasn't been offered now and to call back XX/XX/2020 to see if there are any payment programs I'm eligible for. Navient has reported late pay 's to my account that was in good standing, and I have had to file a report with my credit bureau to get their mistakes removed from my credit report. I'm not trying to pay for my loans, however, I'm not working at the moment, and I can't seem to get any help with an income reduction plan where the payments aren't continually increasing on a payment plan. When I applied for the private loans, I was told that I couldn't get the loan in one lump sum. It had to be two separate loans. But that once I started paying the loans, they could be consolidated into one loan. However, SallyMae was fraudulent with this information, and my credit was sold to Navient. The school that the loans were taken out for was XXXX XXXX College in XXXX, Ohio, which has been shut down. I'm seeking a resolution to this nightmare and getting this resolved. Every time I contact Navient, I get different information from their loan operators, and I'm not trying to go into default with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: BB&T CORPORATION
State: KY

Complaint narrative:
I have called BBT 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at XXXX. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made a purchase from Nordstrom.com evening dress for an occation on XX/XX/XXXX by the amount of {$360.00} ( Nordstrom order # XXXX XXXX. I did not get the dress because instead of delivering it to my address they delivered it to the XXXX  location and no note was left for me to pick it up. I got another dress from XXXX and went on the party and after a week while checked the order status and saw that it is hold at the XXXX location called Nordstrom and told them that I need my noney back because never got the purchased item and i dont need it anymore cause the event is passed. They checked and told me that they need to contact XXXX requesting the item back and since it is more than {$300.00} they need to get it back in order to issue me a credit. I waited then called again. Same Thing ... 
I waited again and on XX/XX/XXXX they send me an email saying that I can pick it up from XXXX location. Something I did not need and I can see on the portal by tracking the item that it is still there. I called the company again and now they are saying it is 30days passed and they can not do anything. How is it fair. Item needs to have holding time at the XXXX point and after that timeframe be sent back if is not being picked up. I am being charged money and accruing interest on nordstrom card for the purchase I did not get and use. Please help I do not know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I sold an item on XXXX for the very first time. I recieved my payment for the item through Paypal because that is the only option offered to collect payment. When I received my money in my Paypal account {$91.00} or 2.9 % plus XXXX cents had been taken by Paypal in fees. At no time was I notified about the fee and it was never disclosed anywhere in the interface between XXXX and Paypay. I called XXXX and they verified that there is no disclosure to new or returning XXXX customers that states that Paypal will be deducting this fee, I also asked if I had any option other than using Paypal to collect the fee and I was told no. This is basically a forced fee since there's no other options to collect the money and they do not disclose the fee at all when you list your item on XXXX. I called Paypal today XX/XX/XXXX asking for the fee to be reversed because it was never disclosed anywhere on the XXXX and Paypal interface and the lady said that's my problem and that I should have read the small print whenever I signed up for Paypal. I signed up for Paypal YEARS ago. Nobody reads all the fine print and the way I typically use Paypal has no fees. It is not clearly stated or disclosed anywhere a consumer would actually notice it. The Paypal fee should be disclosed in a way that's easy to see and understand at the time you agree to collect payment through Paypal from selling your item on XXXX. This is a huge scam that I'm sure thousands of people fall for every day with absolutely no recourse. These big companies should have to be honest and forthcoming about the fees they charge which are astronomical and are based on a total percentage of a sale. In my case, the sale was several thousand dollars resulting in a huge fee that I never would have agreed to pay had I known in advance or had I been given any other option to collect my proceeds. Since XXXX and Paypay are associated they are completely abusing their clients by forcing them to pay an undisclosed fee to their sister company Paypal and giving them no other options but to use Paypal to receive proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: TX

Complaint narrative:
Tuesday, XX/XX/2019, my Direct Express card was stolen. I immediately began contacting Direct Express but to no avail. Even today, XX/XX/2019, all I get is a robot on the phone numbers to Direct Express. The robot keeps asking for information that was on my card that was stolen and I do not have it. So, I can not move forward to have the card cancelled. My benefits are loaded onto my card at the first of each month, and I am trying to prevent further theft of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: KY

Complaint narrative:
I have called XXXX 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at midnight. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.

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 2019-12-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent letters to the debt collector asking for verification and the send me credit card statements. ; another company refuses to respond. I then wrote Experian, XXXX  and XXXX. they send me a letter saying they have placed a credit freeze and alert that is not what I complained about I requested they deleted these account as fraud because the company refuses to proved accurate information. The credit bureaus continue to say the have validated these accounts when they have not.

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 2019-12-19 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: AES/PHEAA
State: OH

Complaint narrative:
I received a letter from FedLoan Servicing dated XX/XX/XXXX. The letter was regarding a response to my request to have a portion of my student loans discharged  due to school closures. I was advised in the letter that I am no longer obligated to make payments on these loans. I was also informed that all adverse credit history associated with the loans that have been discharged that was previously reported will be deleted to each nationwide consumer credit agency. I am still waiting on this to happen. I filed a dispute with each of the credit bureaus XXXX, XXXX, and XXXX. At the beginning nothing was done. I then sent letters to each credit agency that included a letter from me as well as thee letter that was sent to me from FedLoan Servicing stating how the loans was discharged. The only credit reporting agency that removed the account from my credit report was XXXX. I just don't understand that if I submitted the correct documentation and one credit agency verified and validated what I sent in removed the account why couldn't XXXX  and XXXX? I thought and I have read that the credit reporting agency 's obligations just to name a few are : *Investigate any disputed credit information in your file, with very limited exceptions. 
*Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. 
*Refrain from reporting old credit information. In most cases, information that is more than 7 to 10 years old is considered old.the last obligation listed is due to me submitting disputes with all 3 credit bureaus for reporting accounts that are over 10yrs old that are continuing to report negatively that is still on my report that should have been deleted. I have been disputing this issue since XX/XX/XXXX and still nothing has been done. I was told that it was not over 10yrs old because the reporting company updated my account I advised each credit agency how can anything be updated when the company updated the information once I submitted the dispute, prior to that it is several accounts that are over 10yrs old and some are with inaccurate date of my first late payment but still yet no corrections no deletions. I have been fighting with FedLoan servicing, XXXX, and Department of Education concerning each of the loans that have been discharged but yet I am still receiving increase balance on my FedLoan Servicing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a transactions of XXXX was approved by XXXX then on XX/XX/XXXX a transaction of XXXX was a approved by XXXX on XX/XX/XXXX I filed a claim with Wells Fargo to dispute these charge which were not authorized  by me. On XX/XX/XXXX Wells Fargo came to a decision to denied the claim

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 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM ( The original creditor was XXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and I C SYSTEM keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted Jefferson capital in regards to an account. I asked them to verify the account In which they sent me a paper showing a breakdown Of costs but nothing with my signature on it or anything. I contacted the bureaus and they keep updating the Jefferson account but wont remove it. I had 2 collection accounts with them they removed only one and not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: CT

Complaint narrative:
Lamont, Hanley & Associaties claims I owe {$1.00}, XXXX to XXXX XXXX. Three XXXX XXXX money orders were mailed to the creditor, XXXX XXXX, several weeks ago to their payment address, XXXX XXXX XXXX, XXXX, PA XXXX. Two in the amount of {$500.00}, third in the amount of {$53.00}. It appears the payments were lost or stolen as they have sent account to collections agency. The receipts have since been discarded, unfortunately, no way to show they were purchased and mailed in. Please advise the collection agency I will not make a duplicate payment as I have already paid and if payments were lost/stolen that is unfortunate for both parties. However, I will not make another payment. Please advise the collection agency to remove account from credit bureaus, if reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
I am submitting this complaint because of the issues I have had time and time again contacting my lender throughout my loan modification process and I need help getting in contact with them not for the status of my appeal. 
I submitted an application for loan modification on XX/XX/XXXX and called several times throughout the process for updaters and was constantly told my loan was being handled by a different person in a different department and that they couldnt give me information about it. For example, I called on XX/XX/XXXX for a status update and was transferred around until I left a voicemail for XXXX XXXX requesting a callback. I did not receive a callback and couldnt reach any representatives at the lender until XX/XX/XXXX when I finally spoke with XXXX in the legal department who told me they denied my application because of the Percent of income needed to put into the home, and basically told me I cant afford my home and needed more income. They told me they made the decision on the account XX/XX/XXXX and that I only had until XX/XX/XXXX to submit an appeal. 
I ended up going out of my way to get the extra income needed to boost my overall income to help me fit into modification terms and I submitted an appeal letter to them on XX/XX/XXXX. Since then I have reached out nearly five times between XX/XX/XXXX and now and have not received any calls back or any contact from the lender about the status of my appeal. It is the most important time to get updates because once the appeal period ends then my home goes into active foreclosure and I am very afraid of losing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked Transunion to remove this item.

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 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I requested via letter with necessary information a copy of my drivers liscence 2 pieces of mail correspondence to lift the freeze. On XX/XX/2019, I received a letter from ; Equifax information services LLCXXXX XXXX XXXX Georgia XXXX. Stating the following : dear XXXX XXXX XXXX this letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. If you have any questions, you may contact us toll free at ( XXXX ) XXXX XXXX thank you for the opportunity to assist you Equifax information services LLC. The proble : they did not remove it they claim they can not find me in the system. I have called the above number 3 times I was put on hold numerous times to be told their system is updating. I also went on line twice and called another number many times and never was able to speak to anyone or given the option to unfreeze In light of their lack of service accuracy and their power over peoples lives they need government regulation I feel they are purposely infringement on my rights as a citizen I have lost the ability to rent an apartment over their incompetence I should have the right to sue them. I need representation to force them to correct their error my government should provide me with representation. Can u help me. XXXX XXXX XXXX XXXX Ky ( XXXX ) XXXX XXXX XXXX. Please respond ASAP Im going thru a divorce and need to rent an apartment. Thank you

Company response to consumer: Closed with explanation